Terms and Conditions

Last Updated: February 3, 2026

1. Nature of Service

Rafter provides a Software-as-a-Service (SaaS) workflow platform designed for private real estate lending professionals to manage internal documentation, deal pipelines, and communication. Rafter is not a bank, a lender, a loan broker, or a financial advisor. We do not provide investment advice, nor do we facilitate the direct transfer of capital between users.

2. User Representations

By using the service, you represent that:

• You are a sophisticated professional operating within the private lending industry.
• Any "Proof of Liquidity" verified through the platform is used for informational purposes between private parties.
• You are solely responsible for your own compliance with state and federal lending laws.

3. Subscriptions and Billing

We use Paddle as our Merchant of Record. By subscribing to a Rafter plan, you agree to Paddle’s terms of service.

Tiered Access

Certain features, such as Digital POF Verification, are only available to "Pro" tier subscribers.

Cancellations

You may cancel at any time through the customer portal; however, previously paid fees are non-refundable as Rafter is a digital service.

4. Limitation of Liability

Rafter provides tools to assist in due diligence but does not guarantee the accuracy of third-party data or the financial performance of any real estate deal. We are not liable for any losses resulting from offline wire transfers or private lending agreements initiated through the platform.