Terms of Service

Last updated: September 14, 2026
Effective: September 14, 2026

These Terms are the agreement between you and KeptHaven LLC. They cover your homeowner account, the records you keep in it, and what we may and may not do with them.

Three things worth knowing up front:

Your account is yours, not your brokerage's. Section 5 explains what happens if your agent changes companies or your brokerage stops using KeptHaven.

Section 16 contains an arbitration agreement and a class action waiver. You may opt out within 30 days at no cost and with no effect on your account. Section 16.7 explains how.

Marketing calls, texts, and emails are optional and separate. They require a permission you give at the time you provide your contact information, not by accepting these Terms.

1.1 KeptHaven is operated by KeptHaven LLC, a Florida limited liability company organized under the laws of Florida ("KeptHaven," "we," "us").

1.2 These Terms govern your use of the KeptHaven homeowner portal, our websites, our mobile applications, and related services (the "Service"). The Service may carry the name and branding of a real estate brokerage. It is operated by us, under these Terms.

1.3 KeptHaven is not a real estate broker. We do not represent you in any transaction, we do not provide brokerage services, and we are not a party to any agreement between you and an agent, brokerage, contractor, or other provider.

1.4 KeptHaven does not provide professional advice. We are not your attorney, accountant, tax advisor, insurance agent, appraiser, inspector, engineer, or contractor. Nothing in the Service is legal, tax, financial, insurance, appraisal, engineering, or construction advice.

1.5 These Terms incorporate our Privacy Policy and Acceptable Use Policy.

2.1 You must be at least 18 years old.

2.2 The Service is offered to residents of the United States. We do not offer it to individuals in the European Union, the United Kingdom, or Canada.

2.3 You are responsible for the accuracy of your registration information, for keeping your credentials confidential, and for activity under your account. Contact support@kepthaven.com promptly if you believe your account has been compromised.

2.4 Each person needs their own login. If others in your household need access, invite them so each has separate credentials.

3.1 You own it. You keep all right, title, and interest in the documents, photographs, records, and other materials you add to the Service ("Your Content").

3.2 The license you give us. You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, index, display, transmit, format, and adapt Your Content, solely to:

(a) operate and provide the Service to you and to anyone you authorize;
(b) generate the features you use, including your home records, maintenance schedule, inventory, Home Health Score (shown in the product as your home readiness score), and answers from the KeptHaven assistant;
(c) maintain backups, recover from disasters, and secure the Service;
(d) respond to your support requests; and
(e) comply with law.

This license ends when Your Content is deleted from our systems, except for backup copies, which are purged on the schedule in Section 12.

3.3 What this license does not permit. It does not permit us to:

(a) sell Your Content;
(b) disclose Your Content to advertisers, vendors, or any third party for their own purposes;
(c) use Your Content to train, fine-tune, or improve any artificial intelligence model, ours or anyone else's, unless you give us separate, specific permission;
(d) use the contents of your documents, your photographs, or your conversations with the assistant to select or target advertisements for you; or
(e) disclose Your Content to your brokerage or agent beyond what Section 4 describes.

3.4 You represent that Your Content does not infringe anyone's rights and that you have permission to share any information about other people that it contains.

3.5 A word about sensitive information. The Service is built to hold records about your home. Closing packets and insurance policies often contain Social Security numbers, account numbers, and similar details. We protect them as described in the Privacy Policy, but the safest information is information you never uploaded. Please do not add documents you do not need to keep.

3.6 Photographs. Since September 2026 we remove embedded location data from photographs before storing them. Our image analysis identifies household items, appliances, fixtures, and their condition. It does not perform facial detection, facial recognition, or any analysis intended to identify people, and we do not use photographs to draw conclusions about the people who live in your home. Please avoid uploading photographs of other people.

3.7 Feedback. If you send us suggestions about the Service, we may use them without obligation to you. This applies to feedback about KeptHaven, not to Your Content.

4.1 Most accounts are created when a brokerage invites a homeowner after a closing. The brokerage pays for the Service and its branding appears throughout.

4.2 What they can see. Unless you tell us otherwise, your brokerage and the agent associated with your account can see:

(a) that your account exists and whether you have activated it;
(b) your name, property address, and the contact details your brokerage gave us;
(c) whether you have used the Service recently; and
(d) any record you specifically choose to share with them, and any record they placed in your vault themselves (Section 4.5).

4.3 What is private unless you share it. Your document vault, your inventory, your photographs, your financial entries, and your conversations with the assistant are private by default. Your brokerage and agent cannot see an item unless you share it with them, or unless they placed the item in your vault themselves, in which case it is visible to them from the start because they already hold it. You can turn a shared item back to private at any time, and you can delete anything you added yourself.

4.4 Turning off visibility. At any time, in Account → Privacy & Communications, you can stop your brokerage and agent from seeing the activity information in Section 4.2(c). Your account continues to work normally.

4.5 Documents your agent or brokerage places in your vault become part of Your Content and are governed by Section 3. They are visible to your agent and brokerage from the moment they add them, as Section 4.3 describes, and you may make any of them private or delete them.

5.1 Your account does not depend on them. Your account and records exist under this agreement between you and KeptHaven.

5.2 If your agent moves to a different company. Your account and records stay where they are, and the account remains associated with the brokerage that sponsored it. Your departing agent does not take your records or your contact information. If you would prefer to follow your agent, you can change or remove the agent associated with your account at any time. That is your decision.

5.3 If we are asked to settle a dispute between an agent and a brokerage about your account, we will follow the sponsoring brokerage's instructions as to branding and agent assignment, and your instructions as to your records and preferences. Where those conflict, yours control.

5.4 If your brokerage stops using KeptHaven. We will email you at least 30 days beforehand. After that:

(a) your account continues to work;
(b) the brokerage's branding is removed;
(c) your records remain intact and accessible;
(d) features the brokerage was funding may become unavailable, and we will tell you which; and
(e) we may offer you a plan to continue those features. You are never automatically enrolled or charged. If you do nothing, your account continues on the free tier described at /start/agent.

5.5 Inactive accounts. If an account on the free tier goes unused for 24 consecutive months, we may move it to export-only access, meaning you can still download everything but new records cannot be added. We will email you 60 days beforehand, and signing in keeps the account fully active. If an export-only account then goes unused for a further 36 months, we may close it and delete the records. We will email you at least 60 days before that as well, at both the email on the account and any alternate address you have given us. Signing in at any point stops the clock.

5.6 Your export right. You may export your records at any time, free of charge, in a common machine-readable format, whether or not your brokerage is still a customer and whether or not you are on a paid plan. Use Account → Export My Data or email privacy@kepthaven.com.

5.7 If we discontinue the Service. We will give you at least 90 days' notice by email, keep the export function working throughout that period, and tell you clearly when records will be deleted.

6.1 The Service includes features that use artificial intelligence: a conversational assistant, automatic extraction of information from documents, and analysis of photographs ("AI Features").

6.2 The assistant is software, not a person, and is labeled as such wherever it appears.

6.3 It can be wrong. AI output may be incomplete, out of date, or incorrect. Please do not rely on it for anything important without checking the underlying document or asking a qualified professional. It is not a substitute for reading your own closing documents, insurance policy, or HOA covenants.

6.4 The Home Health Score is informational. It is our estimate of your home's condition and upkeep based on what we know. It is not an appraisal, a valuation, an inspection, or an underwriting decision, and it is not a determination of your eligibility for anything. We do not use it to decide what you can access, what you pay, or which advertisements you see. No one may use it in a credit decision.

6.5 Property and public-record information. The Service may display county records, tax data, and permit history from third-party sources. We do not create this information and cannot guarantee it is accurate, complete, or current.

6.6 We do not train models on your content. We do not use Your Content to train, fine-tune, or improve any AI model unless you give us separate, specific permission. We use third-party AI providers to operate these features, and our agreements with them prohibit training on your content. Current providers are listed at /privacy#subprocessors.

6.7 As between you and us, we assign you whatever rights we hold in output the AI Features generate for you. Output generated for you may resemble output generated for someone else.

6.8 You may not use the AI Features to build or train a competing model, to reverse engineer how they work, to remove markings identifying content as AI-generated, or to make automated decisions that could adversely affect another person's rights.

7.1 There is advertising in KeptHaven, and we label it. Parts of the Service display paid placements from businesses relevant to owning a home — home service providers and trades, warranty and service plan companies, moving and storage, home improvement retailers, and real estate professionals. Every paid placement is labeled Advertisement. We do not accept advertising from mortgage lenders, title or escrow companies, appraisers, home inspectors, or insurance carriers.

7.2 How we are paid. Advertisers pay us a fixed fee for placement. We are not paid based on whether you contact an advertiser, hire anyone, or complete any transaction, and we do not sell your contact information. If we ever change how advertising is priced in a way that makes this untrue, we will amend these Terms and give you notice under Section 17.1 before the change takes effect.

7.3 We do not vet or endorse advertisers. We display them. We do not screen them, verify their licenses or insurance, guarantee their work, or recommend them. Please check licensing, insurance, and references yourself before hiring anyone.

7.4 Your dealings are with them, not us. Any agreement, payment, dispute, warranty, or claim arising from your dealings with an advertiser is between you and that advertiser and does not involve KeptHaven.

7.5 You always have a choice. You are never required to use anyone shown in the Service. A full directory of providers in your area, including those who pay nothing, is available and is at least as easy to reach as any paid placement.

7.6 Reviews. Where we display ratings, they come from KeptHaven users. We do not pay for reviews, we do not write them, and we do not remove or demote a review because it is unfavorable. We may order reviews by recency or helpfulness. We will remove a review that a provider demonstrates is factually inaccurate, through the process described at /terms/acceptable-use.

8.1 We do not operate any feature that compares an advertiser's terms against your own and hides or highlights offers based on that comparison. If we build one, we will describe it here and give you at least 30 days' notice under Section 17.1 before it affects you.

9.1 Our handling of your information is described in the Privacy Policy, which is part of these Terms.

9.2 We do not sell your personal information. We do not disclose the contents of your documents, inventory, photographs, or assistant conversations to advertisers, and we do not use those contents to select or target advertisements for you.

9.3 Wherever you live, you may ask us to access, correct, delete, or export your information. See the Privacy Policy.

10.1 Service communications. Security notices, account changes, reminders you have configured, notices about your brokerage's participation and any resulting change to your account under Section 5.4, and legally required notices come with having an account. You can adjust reminder frequency in your settings.

10.2 Marketing communications need separate permission. We do not send marketing calls, texts, or promotional emails unless you have given a separate, specific, optional permission at the time you provided that phone number or email address. That permission is never bundled with these Terms and is never a condition of using the Service.

10.3 Withdrawing it. Use Account → Privacy & Communications, use the unsubscribe link in any email, or call 931-614-5094. We act on withdrawals within ten business days and generally immediately.

10.4 Electronic records. You agree to receive notices and disclosures from us electronically at the email address on your account. You may withdraw this consent by emailing legal@kepthaven.com, though we cannot continue providing the Service without it.

11.1 Most homeowner accounts are paid for by a brokerage and cost you nothing. If you purchase a plan directly, this section applies.

11.2 Before we collect billing information we will disclose the price, the billing period, the renewal terms, and how to cancel, in a form you can keep. Prices do not include sales tax. Any tax that applies is calculated and added at checkout.

11.3 If a plan renews automatically, you will agree to that separately from agreeing to these Terms. We will not bundle the two.

11.4 You can cancel from your account settings, in the same number of steps or fewer than it took to subscribe. We will not require a phone call or a chat session. Cancellation takes effect at the end of the current billing period: you keep access until then and are not charged again. You can also manage or cancel a subscription at link.com, as Section 11.9 describes. Plans sold with a minimum term are the exception described in Section 11.6.

11.5 Payments are not refunded for partial billing periods, including the period in which you cancel, except where the law requires a refund or Link issues one under its own policies (Section 11.9).

11.6 Some business plans, such as the Brokerage plan, are sold with a minimum term of twelve months. They are billed monthly during that term and cannot be cancelled from account settings before it ends. To end one early or at the end of its term, email support@kepthaven.com. Cancelling the subscription through Link before the term ends does not end the minimum term, and the remaining monthly payments stay due.

11.7 For annual plans we will email you before renewal.

11.8 If you subscribed through the Apple App Store or Google Play, that store's billing and cancellation rules apply and you manage the subscription there.

11.9 Paid plans bought on our website are sold through Link, the merchant of record service of our payment provider, Stripe. Link processes your payment, calculates and collects any sales tax on it, and sends your receipts and invoices. Your card statement shows LINK.COM* KEPTHAVEN. Link's own terms apply to the payment itself, and its support team handles questions about charges, refunds and disputes. You can see your orders and manage or cancel your subscription at link.com. Questions about the Service itself come to us.

12.1 We keep your information for the periods stated in the Privacy Policy.

12.2 Deleting your account. You may delete your account at any time from within the Service or at /account/delete. We remove your sign-in, your personal details, and your files from our active systems immediately. Deleted rows can persist in our database provider's backups until those roll off on their own schedule.

12.3 What we keep afterward. A limited list, set out in full in Section 8 of the Privacy Policy. It includes a record of the permissions you gave and withdrew, a record of any privacy request you made and how we answered it, a record of which versions of these Terms you accepted, transaction records we are required to keep, de-identified service history tied to the home rather than to you, and non-identifiable operational measurements. We keep these so we can show we had your permission and honored your requests, and so we can operate the Service. We do not use them for marketing or for any other purpose.

12.4 Suspension and termination by us. We may suspend or terminate your account if you materially breach these Terms or the Acceptable Use Policy, if we are required to by law, or if your account creates a security risk to other users. Except where the breach is serious or creates immediate risk, we will tell you first and give you a reasonable opportunity to fix it. If we suspend or terminate your account, your export right under Section 5.6 remains available for at least 30 days, and we will tell you when records will be deleted.

12.5 If you sell your home, or in the event of death. Your account is yours, not the property's. If you sell your home, your records stay with you — you may keep the account for a new property, export everything and close it, or ask us to transfer specific records to the buyer, which we will do only with your written instruction. We will never transfer your records to a buyer, an agent, or anyone else without your instruction. If an account holder dies, an executor or personal representative may request access or deletion by contacting privacy@kepthaven.com with documentation of their authority, and we will handle the request under applicable state law.

13.1 THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

13.2 WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY INFORMATION IN IT, INCLUDING AI OUTPUT, PUBLIC RECORDS DATA, PROPERTY DATA, MAINTENANCE RECOMMENDATIONS, THE HOME HEALTH SCORE, OR ANY ADVERTISED OFFER, IS ACCURATE, COMPLETE, OR CURRENT.

13.3 WE MAKE NO WARRANTY REGARDING ANY PROVIDER, CONTRACTOR, AGENT, OR ADVERTISER YOU FIND THROUGH THE SERVICE, OR THE QUALITY, SAFETY, LEGALITY, PRICE, OR OUTCOME OF ANY WORK OR PRODUCT THEY SUPPLY.

13.4 Some states do not allow the exclusion of certain warranties. Where that is so, these exclusions apply to the fullest extent permitted and you may have additional rights.

14.1 TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY.

14.2 OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100).

14.3 Exclusions. Sections 14.1 and 14.2 do not apply to our gross negligence, willful misconduct, or fraud; to our obligations under Section 15.1; or to any liability that cannot be limited under applicable law. Nothing in these Terms waives or limits any right you have under applicable consumer privacy law.

14.4 Security incidents. For any claim arising from a breach of the security of your personal information, the cap in Section 14.2 does not apply. Instead, and to the fullest extent permitted by law, our total liability to you for all such claims arising from a single incident will not exceed $10,000. This does not limit any right you have under applicable law that cannot be limited by agreement.

14.5 Some states do not allow these limitations. Where that is so, they apply to the fullest extent permitted.

15.1 By us. We will defend you against any third-party claim that the Service, as provided by us and used in accordance with these Terms, infringes a United States patent, copyright, or trademark or misappropriates a trade secret, and will pay damages finally awarded against you on such a claim, provided you promptly notify us, give us control of the defense and settlement, and cooperate. This does not apply to claims arising from Your Content or from use in violation of these Terms.

15.2 By you. You will defend and indemnify us against any third-party claim arising from Your Content, your violation of these Terms or the Acceptable Use Policy, your violation of law or a third party's rights, or your dealings with any provider or advertiser. We will notify you promptly, let you control the defense provided any settlement fully releases us, and cooperate at your expense.

16.1 Talk to us first. Before starting arbitration, send a Notice of Dispute to legal@kepthaven.com and KeptHaven LLC, 28 Solano Ave, Saint Augustine, FL 32080 describing the problem and what you want. We will do the same before bringing a claim against you. Allow 60 days to resolve it. Deadlines are paused while this runs.

16.2 Arbitration. If we cannot resolve it, any dispute arising from or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before one arbitrator.

16.3 Where. In St. Johns County, Florida; or in the county where you live; or by telephone, by video, or on documents only. You choose.

16.4 Costs. We will pay all AAA filing, administration, and arbitrator fees for any non-frivolous claim of $[10,000] or less. For larger claims, fees are allocated under the AAA rules, but if you show that the costs would be prohibitive, we will pay them. Each side bears its own attorneys' fees unless the arbitrator awards them under applicable law.

16.5 Class action waiver. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. If this Section is found unenforceable as to a particular claim, that claim alone is severed from arbitration and proceeds in court.

16.6 Coordinated filings. If 25 or more substantially similar arbitration demands are filed against us by or with the assistance of the same firm or coordinated group within 90 days, the demands will be administered in staged batches of no more than 50, each decided by a single arbitrator, with each side selecting an equal number of demands for the first batch. Results of the early batches will inform good-faith resolution of the remainder. Limitations periods are tolled for all batched demands while this runs.

16.7 How to opt out. You may opt out of Sections 16.2 through 16.6 within 30 days of first accepting these Terms. Email legal@kepthaven.com with the subject "Arbitration Opt-Out," giving your name and the email address on your account. That is all it takes. Opting out costs nothing, affects nothing else, and we will not treat you differently for it. Disputes then go to the courts in Section 17.3.

16.8 Exceptions. Either party may bring an individual claim in small claims court, and either may seek injunctive relief in court for infringement or misuse of intellectual property.

16.9 Changes. If we change this Section, the change will not apply to any dispute of which we had notice beforehand, and you will have a fresh 30-day opt-out window.

17.1 Changes to these Terms. For any material change we will give you at least 30 days' notice by email and in the Service before it takes effect, with a summary of what changed. Continuing to use the Service after the effective date means you accept it. If you do not, you may close your account and export your records under Section 5.6.

17.2 Governing law. Florida law, without regard to its conflict-of-laws rules. Nothing here deprives you of the protection of mandatory consumer-protection laws of the state where you live.

17.3 Courts. For any dispute not subject to arbitration, the state and federal courts in St. Johns County, Florida have jurisdiction, and you and we consent to venue there, except that you may bring a claim where you live and we may bring one there as well.

17.4 Order of precedence. If these Terms conflict with the Privacy Policy or the Acceptable Use Policy, these Terms control, except on matters of information handling, where the Privacy Policy controls. No agreement between KeptHaven and any brokerage reduces your rights under these Terms.

17.5 Entire agreement. These Terms and the documents they incorporate are the entire agreement between us about the Service.

17.6 Severability. If a provision is unenforceable it is modified to the minimum extent necessary or severed, and the rest remains in effect. Section 16.5 is governed by its own severability rule.

17.7 No waiver. Our failure to enforce a provision is not a waiver of it.

17.8 Assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, provided the assignee assumes our obligations to you under these Terms as then in effect, including Sections 3.3, 5, 7.2, and 9.2.

17.9 Survival. Sections 3.1, 3.3, 5.6, 5.7, 6.7, 7.4, 9.2, 11 (as to accrued amounts), 12.3, 13, 14, 15, 16, and 17 survive termination.

17.10 Notices. To you, at the email on your account. To us, at legal@kepthaven.com and KeptHaven LLC, 28 Solano Ave, Saint Augustine, FL 32080.

17.11 Copyright. If you believe material in the Service infringes your copyright, send a notice under the Digital Millennium Copyright Act to our designated agent at Steven Bell, 28 Solano Ave, Saint Augustine, FL 32080, legal@kepthaven.com, including the elements required by 17 U.S.C. § 512(c)(3). We will respond to properly submitted notices and counter-notices, and we terminate the accounts of repeat infringers.

17.12 Contact. support@kepthaven.com for the Service. privacy@kepthaven.com for privacy. legal@kepthaven.com for legal notices.