Terms of Service

Last updated: February 18, 2026

1. Acceptance of Terms

By accessing or using the PortfolioX platform (the "Service") operated by RaiderX, LLC dba PortfolioX ("we," "us," or "our"), available at portfolio.raiderx.net, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

PortfolioX is a multi-tenant SaaS platform for managing real estate investment portfolios. The Service provides tools for tracking properties, leases, mortgages, property taxes, insurance policies, home warranties, back rent collection, tenant communications, maintenance requests, online rent payments, and financial reporting (profit & loss statements, balance sheets). The Service also enables users to link external financial accounts for transaction matching and accounting purposes. The Service is intended for use by landlords, property managers, and their authorized team members, as well as tenants who access the tenant portal.

3. User Accounts and Registration

To use certain features of the Service, you must register for an account. When you register, you agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information to keep it accurate.
• Maintain the security and confidentiality of your login credentials, including enabling multi-factor authentication when prompted.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately of any unauthorized use of your account.

You may invite team members to your organization. As the organization owner, you are responsible for managing roles and permissions for all team members and ensuring they comply with these Terms.

4. Subscription and Billing

The Service is offered under various plan tiers (Free, Starter, Professional, and Enterprise), each with different resource limits and feature access. Plan details and pricing are available on our pricing page. We reserve the right to modify pricing and plan features with reasonable notice. Paid subscriptions will be billed in advance on a recurring basis through Stripe. You are responsible for providing valid payment information and ensuring timely payment. Failure to pay may result in suspension or termination of your account.

5. Payment Processing

The Service facilitates online rent payment collection through Stripe Connect. When tenants make payments, the payment is processed by Stripe and routed to the organization's connected Stripe account, less applicable processing fees and platform fees. We do not store or have access to payment card numbers, bank account numbers, or other payment credentials. All payment processing is subject to Stripe's Terms of Service and Privacy Policy. We are not responsible for errors, delays, or issues caused by Stripe or the banking network.

6. Financial Account Linking

The Service allows you to connect external bank accounts and credit cards for transaction matching and accounting purposes through Plaid, Inc. ("Plaid"). By using this feature, you:

• Authorize data access: You authorize Plaid to access your financial account information on your behalf and share it with PortfolioX for the purpose of transaction matching and financial reporting.
• Acknowledge third-party terms: Your use of Plaid is subject to Plaid's End User Privacy Policy.
• Retain the right to disconnect: You may disconnect your financial accounts at any time through the PortfolioX settings, which will revoke access and stop all future data retrieval.
• Understand data limitations: Transaction data retrieved through Plaid is provided on an "as available" basis. We are not responsible for inaccuracies, delays, or gaps in data provided by your financial institution through Plaid.

7. Acceptable Use

You agree not to use the Service to:

• Violate any applicable local, state, national, or international law or regulation.
• Upload or transmit viruses, malware, or other malicious code.
• Attempt to gain unauthorized access to other users' accounts, data, or financial information.
• Interfere with or disrupt the integrity or performance of the Service.
• Use the Service for any purpose other than property management and related activities.
• Scrape, mine, or otherwise extract data from the Service through automated means without our prior written consent.
• Store or transmit content that is illegal, fraudulent, or infringes on third-party rights.
• Use linked financial account data for any purpose other than your own property management accounting.

8. Data and Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data, including financial account data accessed through Plaid. By using the Service, you consent to the collection and use of information as described in our Privacy Policy. You retain ownership of all data you enter into the Service. We do not sell your data to third parties. Organization data is isolated and only accessible to authorized members of your organization based on their assigned roles and permissions.

9. Security

We implement industry-standard security measures including encrypted data transmission (TLS 1.2+), encryption at rest (AES-256), secure password hashing, multi-factor authentication, role-based access control, and multi-tenant data isolation. You are responsible for maintaining the security of your account credentials and for enabling multi-factor authentication when available. For full details of our security program, our security documentation is available upon request.

10. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of RaiderX, LLC and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. You retain all rights to the data and content you upload to the Service.

11. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall RaiderX, LLC, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; (iv) unauthorized access, use, or alteration of your transmissions or content; or (v) inaccuracies or delays in financial data provided through third-party integrations including Plaid and Stripe. The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Financial data and reports generated by the Service are for informational purposes and should not be considered professional financial or tax advice.

12. Indemnification

You agree to defend, indemnify, and hold harmless RaiderX, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with (i) your access to or use of the Service; (ii) your violation of these Terms; (iii) your violation of any third-party right, including any intellectual property right or privacy right; or (iv) any claim that your use of the Service caused damage to a third party.

13. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease. You may request deletion of your account and associated data by contacting us. We will make reasonable efforts to delete your data in a timely manner, subject to any legal obligations to retain certain information. Upon termination, any linked financial accounts will be disconnected and associated Plaid access tokens will be revoked.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect by posting the updated Terms and notifying you via email. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised Terms.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of Texas.

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

17. Contact Information

If you have any questions about these Terms, please contact us: