Effective May 28, 2026. Last updated May 28, 2026. We may revise these terms; the current version always lives at this URL. A small number of items are marked [[CONFIRM WITH COUNSEL]] — those reflect ongoing legal review and will be finalized in a posted update.
1. Acceptance
These Terms of Service (“Terms“) are a binding contract between you (the “Customer,” “you“) and Garvik AI Pvt. Ltd., an India-registered company that operates the ReBillion product (“ReBillion,” “we,” “us“). You agree to these Terms by creating an account, clicking “I accept” (or any equivalent control), signing an order form that references these Terms, or using the service.
If you are entering these Terms on behalf of a company or other entity, you represent that you have authority to bind that entity, and “you” refers to that entity.
If you do not agree, do not use the service.
2. Definitions
- “Service” — the ReBillion AI platform, including the marketing site at rebillion.ai, the dashboard at dashboard.rebillion.ai, APIs, integrations, the AI transaction tools, the human-assistance offerings, the platform’s customer messaging and calling features, and ancillary tools.
- “Customer Data” — data, documents, recipient lists, and content you submit, upload, or transmit through the Service, including transaction documents and any personal information of third parties (clients, counterparties, recipients).
- “Output” — AI-generated text, summaries, structured fields, communications drafts, timelines, voice content, and other content the Service generates in response to Customer Data or your prompts.
- “Subscription Plan” — the plan you select (e.g., “AI Toolkit,” “Human Assistant + AI”) and any order form referencing these Terms.
- “Documentation” — published help docs, API docs, and customer onboarding materials.
3. The Service; Accounts
3.1 What the Service is
ReBillion provides AI transaction tools and human assistance to U.S. brokerages, document-custodian (“DC”) companies, real estate brokers, agents, and transaction coordinators. We help you manage transactions and communicate with your own clients, agents, and counterparties. The Service sits on an AI layer; ReBillion staff may also provide human-in-the-loop assistance under certain plans.
Depending on the use case, ReBillion’s role on a given message or call is either:
- Sender or caller — for ReBillion’s own direct communications to you about your account, and for transactional outreach we make on your behalf when you have provided a number for that purpose (see Section 8.1 and 8.2); or
- Platform provider — when you use platform features directly by connecting your own number and brand, in which case you are the sender or caller for TCPA, DNC, CAN-SPAM, and state telemarketing purposes (see Section 8.5).
3.2 Eligibility
You must be at least 18 years old and acting in a professional capacity (licensed real estate broker or agent, transaction coordinator, brokerage employee, brokerage administrator, DC company employee, or DC company administrator) to use the Service. The Service is offered to U.S.-based brokerages, DC companies, and real estate professionals.
3.3 Accounts
You are responsible for protecting your account credentials and for all activity under your account. Tell us right away about any unauthorized use. Sharing logins with non-authorized users is prohibited.
3.4 Authorized Users
If your plan includes seats for multiple users, you are responsible for ensuring each Authorized User agrees to these Terms and follows them.
4. Subscription, Billing, Cancellation
4.1 Plans and fees
Fees are listed on our pricing page and/or in your order form. Plans renew automatically at the end of each billing cycle (monthly or annually) at the then-current rates unless cancelled before renewal.
4.2 Payment
You authorize us (and our payment processor) to charge your payment method for the fees due. Fees are exclusive of taxes. You are responsible for applicable taxes other than taxes on our income.
4.3 Refunds and trials
No refunds on partial periods except where required by law. Free trials end automatically unless converted to a paid subscription. We will disclose the term, renewal cadence, and online cancellation method at the signup CTA consistent with applicable auto-renewal laws (e.g., California ARL).
4.4 Cancellation
You may cancel at any time from the dashboard or by emailing support@rebillion.ai. Cancellation stops future renewals. You keep access through the end of the paid period.
4.5 Price changes
We may change pricing at any time. Changes apply to subsequent renewal terms, not the current term, and we will give at least 30 days’ notice.
4.6 Suspension for non-payment
We may suspend the Service for accounts that are 15 days or more past due. Suspension does not waive amounts owed.
5. Acceptable Use
You agree not to:
- Use the Service in any way that violates law or any third-party right;
- Upload content you do not have the right to upload, or that infringes IP, privacy, or publicity rights;
- Use the Service to send messages or place calls in violation of TCPA, CAN-SPAM, the FTC’s Telemarketing Sales Rule, state telemarketing laws, or carrier policy (see Section 8);
- Reverse-engineer, decompile, or attempt to extract source code, except as expressly permitted by law;
- Probe, scan, or test the security of the Service without our prior written permission;
- Interfere with or disrupt the integrity or performance of the Service;
- Use the Service to build a competing product;
- Use the Service to generate or send content that is illegal, defamatory, harassing, fraudulent, or that violates the Fair Housing Act or any state real-estate or fair-housing rule (see Section 7.3);
- Bypass usage limits or rate limits.
We may suspend or terminate accounts for material breach. For breaches that create regulatory or safety risk (TCPA violations, fair-housing violations, data exfiltration, content/consent failures in the messaging features), we may suspend immediately.
6. Customer Data; Intellectual Property
6.1 Your data is yours
You keep all right, title, and interest in and to Customer Data. You grant us a worldwide, royalty-free license to host, process, transmit, display, back up, and create operational copies of Customer Data solely to provide and improve the Service for you and to perform our obligations under these Terms.
6.2 AI training
We do not train ReBillion-owned AI models on Customer Data. We do not transmit Customer Data to third-party model providers for the third party’s training, and we contractually require our model providers not to train their models on Customer Data. Inference-time processing by third-party providers is for the immediate request only and is subject to those providers’ zero-retention enterprise terms where in effect. Any expansion of training use requires your written opt-in.
6.3 Output
Subject to your payment of fees and compliance with these Terms, we assign to you our rights, if any, in the Output generated in response to your Customer Data, and grant you an unlimited, perpetual, worldwide license to use, modify, distribute, and create derivative works of the Output for any lawful purpose in your real-estate business. You understand:
- AI models can produce similar outputs for different users; we do not guarantee uniqueness;
- Output may be incorrect — see Section 7;
- You are responsible for reviewing Output before relying on it or sending it on your behalf to third parties.
6.4 Feedback
If you give us feedback or suggestions, we may use them without restriction or compensation to you.
6.5 Our IP
The Service, the platform software, the documentation, the brand, and any improvements we make remain our property (or our licensors’).
6.6 Customer representations
You represent and warrant that you have all rights, consents, and authority needed to upload Customer Data to the Service, including consents from data subjects whose personal information is contained in transaction documents, and all consents required to text or call third parties through the Service (whether through platform features under your own number, or through ReBillion’s on-behalf-of-Customer outreach under Section 8.2). The platform may prompt you to confirm this at upload and at campaign launch; your representation stands whether or not the platform prompts you.
7. AI Processing — Capabilities and Limits
7.1 What the AI does
The Service uses artificial intelligence — including third-party large-language-model providers (see our Privacy Policy, Section 7 and Section 11) — to extract structured information from real estate transaction documents, draft summaries and communications, build timelines, flag deadlines, contingencies, and state-specific compliance checks, produce reports, and answer or place texts and calls (either on your behalf when ReBillion’s staff or AI-assisted systems contact your transaction parties, or under your own number when you use the platform-features mode).
7.2 What the AI is not
The AI:
- Is not a substitute for the licensed real estate broker, agent, transaction coordinator, attorney, escrow agent, title agent, lender, or appraiser. The Service is a productivity tool. The licensed professional remains fully and solely responsible for all transaction decisions, disclosures, and obligations to clients and counterparties.
- Does not provide legal, tax, accounting, or financial advice. Outputs are not legal advice and do not create an attorney-client relationship.
- Does not generate legally binding documents. Any draft contract, disclosure, addendum, or amendment must be executed by the parties and reviewed by a licensed attorney where required by state law.
- Can make mistakes. Output may be inaccurate, incomplete, out-of-date, or fabricated. You agree to independently verify any Output before relying on it for a transaction decision, sending it to a counterparty, or recording it with a regulatory body or MLS.
- State-smart features are informational. State-specific compliance checks reflect our best understanding of the rules and are not a substitute for legal review.
7.3 Fair Housing
You agree to use the Service consistently with the federal Fair Housing Act and state and local fair-housing rules. You will not use the Service to generate or send communications, marketing, or screening that discriminates on a protected basis. You are responsible for the content the AI generates and sends on your behalf. The AI does not stand between you and the recipient; what the AI sends is your communication. You agree to monitor messages and calls that go out under your number and brand for fair-housing compliance and to retrain, restrict, or override the AI where its output would create risk. The platform offers content filters and review controls; the legal duty is yours.
8. Messaging and Calling — TCPA, A2P 10DLC, DNC
This section governs every flow of texts and calls that touches the Service: (i) ReBillion’s direct communications with you (Section 8.1); (ii) outreach ReBillion makes on your behalf for transactional purposes (Section 8.2); (iii) ReBillion’s own marketing (Section 8.3); (iv) future capabilities — AI voice and mass messaging — that we do not currently use (Section 8.4); (v) your direct use of platform features under your own number and brand (Section 8.5); (vi) the tooling we provide (Section 8.6); and (vii) what we don’t share (Section 8.7). Read it together with Section 5 of our Privacy Policy.
8.1 ReBillion’s direct messages and calls to you (the Customer)
If you provide a phone number to ReBillion at signup or in your account profile, you authorize us to use that number to send you transactional account communications (onboarding, billing, security, support, transaction-deadline reminders you enable, scheduling). Those are non-marketing communications sent on the basis of your having knowingly provided the number for that purpose, with clear disclosure. They do not require separate marketing consent. They may be composed or placed by ReBillion staff, by AI-assisted systems with staff review, or by automated systems for purely operational notifications.
We will send you our own marketing texts or place our own marketing calls only if you separately opt in by checking an opt-in box at the point of capture with clear and conspicuous disclosure adjacent to the box, identifying ReBillion as the seller and authorizing the use of automated systems or AI-generated voice technology where applicable. Consent is not a condition of any purchase. Reply STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any SMS we send to opt out. We process opt-outs within 10 business days (we aim for real-time) and apply them across our marketing communications unless you tell us to narrow the scope. We may send a single confirmation message after STOP as permitted under 47 C.F.R. § 64.1200. Reply HELP for company information and support contact.
8.2 Outreach ReBillion makes on your behalf for transactional purposes
A core use of the Service is that you connect a phone number — your client’s, an agent’s, a counterparty’s, or your own — and ask ReBillion to handle communications about a transaction. ReBillion staff or AI-assisted systems may then call or text the Customer’s clients, agents, or counterparties on the Customer’s behalf for transactional / utility purposes: closing-disclosure delivery, signature requests, wire-detail confirmations, inspection scheduling, document-status updates, and similar real-estate-transaction items.
You represent, warrant, and agree:
- Relationship. Each recipient is a party to (or has a defined role in) the transaction the communication is about, and you have the relationship — broker–client, agent–counterparty, TC–party, DC operator–party — that justifies the contact.
- Non-marketing. The outreach is transactional and non-marketing. These communications are not subject to the TCPA’s prior-express-written-consent requirement for marketing autodialed, pre-recorded, or AI-voice calls, because they are not telemarketing.
- Marketing on your behalf — rare and gated. If you want ReBillion to make marketing calls or send marketing SMS on your behalf, you must (a) request it expressly in writing, (b) furnish prior-express-written-consent records that meet 47 C.F.R. § 64.1200(f)(9) for each recipient, including any consent specifically required for AI-generated or pre-recorded voice under the FCC’s February 8, 2024 Declaratory Ruling (FCC 24-17), and (c) furnish DNC-scrub records where applicable.
- Indemnity. You indemnify ReBillion for any TCPA, DNC, CAN-SPAM, state-telemarketing, or fair-housing claim arising from any outreach we make at your direction — including any claim that the recipient was not actually a party to the transaction, that the relationship you represented was not in place, or that you provided inadequate consent records for any customer-directed marketing outreach.
- Stop requests. If a recipient asks ReBillion to stop contacting them, we honor that across the transaction and log it on your account.
8.3 ReBillion’s own marketing outreach
From time to time ReBillion reaches out to brokerages, DC companies, real estate professionals, and prior or current prospects to market our services. We:
- Scrub voice calls against the federal Do Not Call Registry and applicable state DNC lists, and respect federal calling-window rules (8:00 a.m. to 9:00 p.m. recipient local time, stricter where state law applies). Where we rely on the Existing Business Relationship safe harbor under 16 C.F.R. § 310 for DNC purposes, that applies as a DNC safe harbor only; it does not substitute for the TCPA’s prior-express-written-consent requirement for marketing autodialed, pre-recorded, or AI-voice calls.
- Obtain prior express consent for marketing SMS at the point of capture — a separate, unticked opt-in checkbox with clear and conspicuous disclosure — before sending any marketing SMS. We do not engage in mass marketing SMS campaigns at this time (see Section 8.4).
- Follow CAN-SPAM on marketing email: accurate sender and subject lines, working opt-out in every message, prompt processing of opt-outs.
8.4 Future capabilities — AI-voice and mass messaging not currently used
ReBillion does not currently use AI-generated or AI-cloned voice technology to place outbound calls, and does not run mass marketing SMS campaigns. If we introduce either capability we will update these Terms and the Privacy Policy at least 30 days in advance, obtain renewed consent where required, and comply with the FCC’s February 8, 2024 Declaratory Ruling (FCC 24-17) for any marketing AI-voice calls and with A2P 10DLC carrier policy and The Campaign Registry for any mass SMS. Until those updates are posted, the AI-generated-voice and mass-messaging restrictions in this Section 8 prevail.
8.5 Your direct use of platform features — you are the sender or caller
When you use the Service to text or call your own clients, agents, counterparties, or leads by connecting your number and brand and routing inbound or outbound communications through the platform — in the platform-features mode — you are the sender and caller for TCPA (47 U.S.C. § 227), the FCC’s implementing regulations (47 C.F.R. § 64.1200), the FTC’s Telemarketing Sales Rule (16 C.F.R. § 310), CAN-SPAM, state telemarketing laws, and carrier policy. Recipients see you, not us. The platform’s role in this mode is to provide infrastructure.
You represent, warrant, and agree:
- Consent. You have obtained, and will maintain, all consents required to text or call each recipient, including prior express written consent (as defined in 47 C.F.R. § 64.1200(f)(9)) for marketing autodialed, pre-recorded, or AI-generated-voice calls, before the Service contacts that recipient on your behalf. ReBillion does not verify consent; you represent and warrant consent is in place.
- AI-generated voice. If, in a future release, the Service places calls using AI-generated or AI-cloned voice technology under your number, you will hold the TCPA-grade written consent that the FCC’s February 8, 2024 Declaratory Ruling (FCC 24-17) confirmed is required for marketing calls using artificial or pre-recorded voice.
- A2P 10DLC — two modes. The platform supports two modes for U.S. SMS traffic:
- (a) Customer-brand mode. You register your own brand and campaigns with The Campaign Registry through the platform. The platform provides API access; your brand is the registered sender.
- (b) ReBillion-brand hosted mode. You route through a ReBillion-hosted brand. We will only enable this mode once you provide full consent documentation. In this mode, ReBillion has the right to gate, monitor, and immediately suspend campaigns for content or consent failures.
- STOP / HELP. The platform honors STOP, UNSUBSCRIBE, CANCEL, END, QUIT, and HELP automatically across the platform. You will not re-contact opted-out recipients.
- Do Not Call. You will scrub against the federal Do Not Call Registry and any applicable state DNC list before sending marketing voice traffic. If you rely on the FTC’s Existing Business Relationship safe harbor (16 C.F.R. § 310) for DNC purposes, that is a DNC-only safe harbor; it is not a substitute for the prior express written consent that TCPA requires for marketing autodialed, pre-recorded, or AI-voice calls.
- Calling hours. You will respect federal calling-window rules (8 a.m. to 9 p.m. recipient local time) and stricter state windows where they apply. The platform offers time-window enforcement controls you can configure; the legal duty is yours. The per-state matrix lives in [[in customer onboarding documentation]].
- Call recording disclosure. Where federal law or any recipient’s state requires disclosure or consent for call recording (including all-party-consent states such as California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Oregon, Pennsylvania, Vermont, and Washington), you will provide that disclosure or obtain that consent. The platform offers a recording-disclosure prompt; state-specific notice wording lives in [[in customer onboarding documentation]].
- Reassigned-Number protection. Where the platform offers FCC Reassigned Numbers Database lookups, you will use them and rely on the consent-date timestamp the platform stores.
- Carrier policy. You will comply with carrier and TCR content and volume policies. Carriers are not liable for delayed or undelivered messages.
- Indemnity. You indemnify ReBillion for any claim arising from messages or calls sent through the platform on your behalf, including TCPA, DNC, CAN-SPAM, state telemarketing, and fair-housing claims (see Section 10).
8.6 Platform-level tooling we provide
To help you meet the obligations in this Section 8, the platform offers:
- STOP / HELP / opt-out keyword handling honored across the platform;
- A consent log where you store and reference recipient consent evidence;
- Time-window enforcement controls;
- A recording-disclosure prompt;
- DNC-scrub tooling and reassigned-number lookups (where integrated).
These are tools. They do not transfer the legal duty from you to us in the platform-features mode, and they do not change the representations you make to us about Section 8.2 outreach. We do not verify your consent records, and outside of the limited scenarios in Sections 8.1 and 8.2 we are not the sender for the messages and calls you place through the platform on your own behalf.
8.7 No sharing of recipient data for third-party marketing
We do not sell or share recipient phone numbers, opt-in data, or consent records you provide to us with third parties for their own marketing purposes. We share that data only with our service providers strictly to deliver and operate the messaging service.
9. Disclaimers; Limitations of Liability
9.1 Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT OUTPUT WILL BE ACCURATE OR FREE OF DEFECTS.
(In plain English: the Service is provided “as is,” AI Output may be wrong, you must verify it before relying on it.)
9.2 Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
EACH PARTY’S AGGREGATE LIABILITY UNDER OR IN CONNECTION WITH THESE TERMS OR THE SERVICE WILL NOT EXCEED THE LESSER OF (a) US$100 (the “liability floor”; [[NEEDS CONFIRMATION: liability floor]]) OR (b) THE FEES YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
The cap in this Section 9.2 does not apply to:
- Your obligation to pay fees;
- Your breach of Section 5 (Acceptable Use), Section 6.6 (Customer representations), Section 7.3 (Fair Housing), or Section 8 (Messaging and calling) — including any TCPA, DNC, CAN-SPAM, state telemarketing, or fair-housing claim arising from messages or calls sent through the platform on your behalf, or made by ReBillion at your direction;
- Either party’s indemnification obligations;
- Either party’s confidentiality breaches;
- Our gross negligence, willful misconduct, or fraud;
- Our intellectual-property infringement of a third party arising from the Service itself (as covered in Section 10);
- Liabilities that cannot be excluded under applicable law.
Everyday product mistakes, downtime, integration errors, billing disputes, and similar operational issues stay within the cap on both sides.
10. Indemnification
10.1 Your indemnity to us
You will defend, indemnify, and hold harmless ReBillion, its affiliates, and their respective officers, directors, employees, and agents from any third-party claim, demand, or proceeding, and any losses, damages, liabilities, costs, and reasonable attorneys’ fees, arising from: (a) your Customer Data (including any claim that it infringes third-party rights or violates law); (b) your or your Authorized Users’ violation of these Terms; (c) any messaging or calling activity you conduct through the Service, including any TCPA, DNC, CAN-SPAM, or state telemarketing claim, whether in the platform-features mode (Section 8.5) or arising from outreach ReBillion makes at your direction (Section 8.2); (d) any fair-housing or state real-estate-rule claim arising from content the platform generates or sends on your behalf; and (e) your violation of any other law.
10.2 Our IP indemnity to you
We will defend you against third-party claims alleging that the Service, used as authorized, infringes a U.S. patent, copyright, or registered trademark, and we will pay damages finally awarded or settlement we approve. This obligation does not apply to claims arising from Customer Data, your modifications, or your use of the Service in combination with materials we did not provide where the infringement claim would not have arisen but for that combination. As your sole remedy in addition to defense, we may modify the Service to be non-infringing, procure rights for you to continue using it, or terminate and refund the fees you’ve prepaid for the unused portion.
11. Term and Termination
These Terms continue until terminated. Either party may terminate for material breach on 30 days’ written notice if the breach is not cured. We may terminate immediately for breach of Section 5 (Acceptable Use), Section 8 (Messaging and calling), or for risk to the platform or its users.
On termination, your right to use the Service ends. We will make Customer Data available for self-service export for 30 days from termination; after that, we will delete or de-identify it within a further 60 days, except as required by law or by ongoing legal hold.
Sections 4 (for fees owed), 6 (other than the license to host), 9, 10, 11 (last paragraph), 12, 13, and 14 survive termination.
12. Governing Law; Dispute Resolution
12.1 Governing law (general)
These Terms are governed by the laws of India, without regard to conflict-of-laws rules. The U.N. Convention on Contracts for the International Sale of Goods does not apply. Nothing in this section limits any mandatory consumer-protection right that applies to U.S. users under U.S. federal or state law; those users retain those rights regardless of the choice of law and venue below.
12.2 Jurisdiction
For all disputes between the parties, the parties submit to the exclusive jurisdiction of the courts in Bengaluru, Karnataka, India. Either party may seek injunctive or equitable relief in any court of competent jurisdiction for intellectual-property infringement, breach of confidentiality, or to enforce the messaging and calling obligations in Section 8.
12.3 Informal resolution
Before initiating any court action, the parties will first attempt to resolve any dispute informally within 30 days of written notice.
13. Changes to the Terms
We may update these Terms from time to time. We will give at least 30 days’ notice of material changes by email or in-app banner. Continued use after the effective date counts as acceptance. Material changes that affect your consent to receive SMS or voice calls from us, or that introduce AI-generated voice or mass messaging capabilities, will be communicated, and we will obtain renewed consent where required.
14. Miscellaneous
- Notices to ReBillion go to legal@rebillion.ai and our mailing address (Bengaluru, Karnataka, India); notices to you go to the contact on your account. Email notices are sufficient and deemed received when sent, absent bounce-back.
- Assignment — you may not assign these Terms without our consent; we may assign to an affiliate or in connection with a merger or sale of substantially all our assets.
- Force majeure — neither party is liable for delay or failure caused by events beyond reasonable control.
- Independent contractors — the parties are independent contractors; nothing creates a partnership, joint venture, or agency.
- Severability — if any provision is unenforceable, the rest remains in effect.
- Entire agreement — these Terms (with any order form, DPA, and the Privacy Policy referenced) are the entire agreement and supersede prior agreements on the subject.
- No waiver — failure to enforce is not a waiver.
- U.S. government rights — if you are a U.S. government end user, the Service is “commercial computer software” and “commercial computer software documentation” under FAR 12.212 / DFARS 227.7202.
- Export — you will comply with applicable export-control laws (EAR / OFAC).