A&AP Service Terms

Version dated October 18, 2026 (b). Accepted on the order's form. No signature page.

Dated copies: October 18, 2026 (b) · October 18, 2026 · October 13, 2026. Each dated copy stays available; the current terms show the latest version.

The arrangement is simple: you keep the client, the assignment, the appraisal decisions, and the signature. I complete only the desk work we agree to and return an unsigned draft for your review. I personally review every report before it comes back to you.

In these terms, "I" and "Appraisal Partners" mean Appraisal Partners of Texas, Inc., acting through Matthew Roth. These terms cover the reviewed lanes: partial desk, where you supply the comparables and data; full desk, where I pull them; and conversion of your completed report to the current form. The self-service lane runs under the separate A&AP Software Terms.

Accept on your order's form

Every order has its own form. Each stage has a small terms line naming its action:

Your first customer action records acceptance of the terms version and frozen dated copy linked from the form, with the price and ready day on file, if any. Later actions do not overwrite that first acceptance; accepting a newer linked version adds a new entry. Earlier accepted terms still govern work already underway. Every dated version stays readable at its own address.

You accept as the customer appraiser, with authority for your firm if applicable. A desk tap or silence is not your acceptance. The form records which emailed link was used when it is opened. An acceptance records your recipient tag, the time, the action, the terms version and frozen URL, and the price and ready day on file, if any. It does not collect your IP address.

For each order:

1. Send me the client's order, or let the report file land in your shared folder: the engagement letter, the order, the contract if there is one, and anything the client provided.
2. I check your files, put the lane, scope, total price, and ready day on the order's form, and send you its link. The same form goes into the report's Workfile.
3. After the inspection, add the photos, sketch, notes, and other agreed materials to the folder, and answer what the form asks.
4. Tap READY when your files and answers are complete. If the order began by another arrangement, your first submission of answers, approval, or change request on the form records acceptance. The required files and permissions must be in place before the agreed work begins.
5. The finished unsigned report lands in the same folder for your review after acceptance is on file and any required payment is received. If acceptance is missing, the sign-off form first shows our calls, the value, and a snapshot; approving it means "Looks good, deliver my report." Anything the build could not settle comes back on the form as a question.

The form sets this order's agreed ready day. Missing files, changed instructions, or service interruptions may require a new day, which we explain and agree with you on the form. We do not guarantee a loan closing.

1. The work

Each order states the desk work I will perform. When that work is significant real property appraisal assistance, I work as an independent subcontractor under the signing appraiser's direction and personal supervision as the property's state requires. We accept only assistance permitted by that state and your client's requirements. Reviewed desk work on Illinois property is not offered unless we confirm lawful authority for that scope.

I do not take the assignment from your client, inspect the property, sign the report, or deliver it to the client. The signing appraiser inspects, independently reviews the draft, makes the final appraisal decisions, signs, and delivers it.

FHA, VA, and USDA orders require a separately confirmed scope that meets the program and lender requirements. You inspect, select the comparables, perform the critical analyses and reconciliation, and make every critical appraisal call. My work is permitted research, data, and drafting on your selections and decisions.

2. Files, tools, and disclosure

Before sending files, you must have authority to share them with us and our providers. At READY, you confirm that you are the appraiser of record, hold a current credential in good standing for this assignment and state, and are competent in the property and market. Your client and any lender/AMC requirements must permit the agreed assistance, AI use, and data sharing. Provide required written approvals and any restrictions on subcontracting, processing location, or source-data use. MLS or data access must be yours to authorize, for this order only.

A Yes answer does not override a restriction. We do not begin prohibited work or sharing without authorization. Tell us promptly if permission or your authority changes. You personally supervise the assistance where required. I remain responsible for my own qualifications and lawful scope of work.

AI agents perform much of the research and draft production. I personally review every desk-lane draft before returning it. Here is the setup, which is the disclosure these terms promise before your first order:

• Where the files live. Your order folder is in Google Drive under our Google Workspace business account. The report itself is a TOTAL file from a la mode, the software your report already runs in.
• Who processes them. AI providers process order material to build the draft. We may change providers as tools improve. Paid accounts run under standard published terms, which may be consumer terms; we do not promise a negotiated data agreement.
• Data use. Optional model training stays off. We do not submit your material for training, feedback, unrelated products, or another customer's work. Provider retention, safety-review, and legal-disclosure terms still apply. We read the order's documents, our reference material, and your customer profile as needed for the order, support, security, and records. Send only needed personal information; we minimize and protect it.
• Changes. I give written notice before a material provider or data-handling change and obtain any required new permission before using it for your order.
• People. A named reviewing appraiser on our team may see the file under these same confidentiality duties. Anyone providing significant appraisal assistance is named in your report.

The report names Matthew Roth and anyone else who provided significant appraisal assistance, describes each person's work and credentials, and states that I did not inspect. Preserve truthful assistance and required technology disclosures in the report you sign.

I use assignment information only for your request, accepted work, support, security, and required records. I protect it with reasonable safeguards and do not sell it or solicit your client. Sharing is limited to authorized people and providers for this work, your permission, or legal requirements; those we engage must follow appropriate confidentiality and safeguards. I notify you without undue delay of unauthorized access affecting your information, provide updates, and make legally required notices.

You own the report and delivered files, subject to third-party source rights. Our nonpublic tools and process remain ours. We keep the confidential work record, support, instructions, permissions, and accepted terms and history for at least five years after preparation, longer when legally required. We provide a copy within five business days of request, even after service ends or the form closes. Keep your final signed report and required workfile.

3. Price, changes, and revisions

The rate quoted for the order does not change. If materially different work appears, I pause that added work and quote it before proceeding. Each order has its own invoice with a PayPal payment link. Card payments carry a 3% processing fee only where applicable law and payment-provider rules permit; any fee and the total are shown before READY. Payment is due within 15 days unless the order's form states an earlier payment-before-release condition. When the form says payment is due, your file follows payment. There is no subscription, minimum, or long-term commitment.

You may cancel before work starts at no charge. After work starts, I may invoice the completed portion, never more than the accepted fee. Corrections and revisions within the agreed assignment are included and take priority, including one extra comp each time a revision comes back. Additional comps or materially new work are quoted before they begin. If I cannot correct an item expressly included in the scope, that order's fee is waived or refunded if already paid.

4. Responsibility and liability

Appraisal Partners is responsible for the agreed research, appraisal assistance, drafting, and review it performs. Your final responsibility does not remove our duties for our own work. The signing appraiser remains responsible for the inspection, independent review, final analysis and conclusions, certification, signature, delivery, and professional obligations to the client and regulator.

Our draft and work are for the signing appraiser only. No lender, AMC, borrower, client, or other person may rely on them as a completed appraisal or our opinion, or claim rights under these terms. This does not restrict lawful use of your signed appraisal or remove legal duties.

Beyond the work and correction commitments stated here, I give no other warranty, express or implied, to the extent permitted by law. I do not promise error-free automated output, any value, contract price, or loan result, or acceptance by a lender, AMC, client, UCDP, EAD, or other review system. I do not make unsupported changes to achieve a requested result.

Appraisal Partners' total liability for an assignment is limited to the greater of three times its accepted fee or $1,500. Neither side is liable to the other for consequential, incidental, or punitive damages or lost profits. These limits apply only to claims between the parties and only as permitted by law. They do not waive professional or regulatory duties, mandatory remedies, or liability for fraud, willful misconduct, or gross negligence.

You reimburse reasonable third-party claim costs caused by your knowing, material misrepresentation about client or engagement permission, state authority, required supervision, or decisions and disclosures in your signed report. This does not cover our fault. We notify you promptly, allow reasonable participation in the defense, and obtain your consent before a settlement imposes obligations on you.

5. Ending the relationship and disputes

Either side may end the relationship by email. These terms still govern work already accepted.

Texas law governs this agreement, subject to mandatory laws that apply to the property, professional work, or information involved. We first try to resolve any disagreement directly. An unresolved dispute goes to binding arbitration in Collin County, Texas, with small claims court available where applicable. If one provision cannot be enforced, the rest remain effective.

These terms, the order's quoted rate, and the order's form with its acceptance record are the entire agreement for that order. Changes require written acceptance by both sides, including by email. A later version applies only to orders whose form links it, and does not change work already underway unless both sides agree. An expressly agreed order-specific addendum controls a conflict with these standard terms.