Tabrasa Website Terms of Use

Effective date: July 28, 2026

These Terms of Use (“Terms”) govern your access to and use of Tabrasa, LLC’s (“Tabrasa,” “we,” “us,” or “our”) public websites, including tabrasa.io, and any market commentary, content, and materials we make available on or through them (collectively, the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Relationship to our other agreements

If you register for, subscribe to, or use the Tabrasa One platform or any Tabrasa product or service, your use of those services is governed by the Tabrasa Subscriber Agreement (or a separately negotiated enterprise agreement or Order Form) and the Privacy Policy — not these Terms. These Terms govern general use of our public Site. If there is a conflict between these Terms and the Subscriber Agreement or an enterprise agreement regarding the Service, that agreement controls.

2. Eligibility

You must be at least 18 years old to use the Site, and if you use the Site on behalf of a company, you represent that you have authority to accept these Terms for that company.

3. License to use the Site; intellectual property

We grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Site for your own informational purposes. You may print or save a copy of Site content for your personal reference. The Site and all content, features, trademarks, service marks, logos, and other intellectual property on it are owned by Tabrasa or its licensors and are protected by law. Except for the limited license above, no rights are granted to you, and you may not copy, reproduce, republish, distribute, modify, or create derivative works from Site content except as expressly permitted by us or by a separate agreement (such as the Subscriber Agreement for MMG content).

4. Market commentary is informational only — not investment or financial advice

The market commentary, analysis, rate information, and related content on the Site (including Mortgage Market Guide content) are provided for general informational and educational purposes only. Tabrasa is not a registered investment adviser or broker-dealer, and nothing on the Site is investment, financial, tax, or legal advice, or a recommendation to lock, float, buy, or sell any loan, rate, security, or investment. Market information is based on sources and third-party data believed to be reliable but is not guaranteed to be accurate, complete, or timely, may be delayed, and is subject to change without notice. Past results are not indicative of future results. You use this content at your own risk and should consult your own professional advisers before acting on it. Tabrasa is not responsible for any decision made or action taken in reliance on Site content.

5. Acceptable use

You agree not to, and not to permit anyone else to: (a) use the Site in violation of any applicable law or regulation; (b) infringe or misappropriate the intellectual property or other rights of Tabrasa or any third party; (c) copy, scrape, harvest, or use automated means to access or extract Site content except as we expressly permit; (d) upload or transmit any unlawful, infringing, defamatory, harmful, or malicious content, including viruses or malicious code; (e) interfere with or disrupt the integrity, security, or performance of the Site; (f) impersonate any person or misrepresent your affiliation; or (g) use the Site or its content for any commercial purpose except as expressly permitted by us or under a separate agreement.

6. Subscription content and redistribution

Access to, and any right to redistribute, subscription content (including Mortgage Market Guide content) is governed by the Subscriber Agreement or applicable Order Form, not these Terms. Recipients of content that a subscriber distributes may not, in turn, rebrand or redistribute it.

7. Feedback and submissions

If you send us feedback, ideas, suggestions, or other materials through the Site, you agree that we may use them without restriction and without any obligation or compensation to you, and that they are not confidential. Do not send us any information you consider confidential or proprietary through the Site.

8. Third-party links and sites

The Site may contain links to third-party websites and resources. We provide these for convenience only and are not responsible for the content, availability, accuracy, products, or services of any third-party site, and a link does not imply our endorsement. Your use of third-party sites is at your own risk and subject to their terms.

9. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, TABRASA DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TABRASA AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY. TABRASA’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). Nothing in these Terms limits liability that cannot be limited under applicable law.

11. Indemnification

You will defend, indemnify, and hold harmless Tabrasa and its affiliates from any third-party claims, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your content or submissions, or your violation of these Terms or applicable law.

12. Changes to the Site and these Terms

We may modify, suspend, or discontinue any part of the Site at any time. We may also change these Terms from time to time; when we do, we will post the updated Terms with a new effective date. Your continued use of the Site after the updated Terms take effect constitutes your acceptance of them.

13. Governing law and venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. You and Tabrasa submit to the exclusive jurisdiction of the state and federal courts located in Delaware for any dispute arising out of or relating to the Site or these Terms.

14. Electronic communications

When you use the Site or contact us electronically, you consent to receive communications from us electronically, and you agree that electronic notices and disclosures satisfy any requirement that they be in writing.

15. Miscellaneous

Our failure to enforce any provision is not a waiver of it. If any provision is found unenforceable, the remaining provisions remain in full force. These Terms and the Privacy Policy are the entire agreement between you and Tabrasa regarding your use of the Site. Except where prohibited by law, any claim arising out of or relating to the Site or these Terms must be brought within one (1) year after it arises.

16. Contact

Tabrasa, LLC — support@tabrasa.io