Terms of Service
These terms govern your use of Net Sheets App. Please read the sections on estimates and on future charging closely, as they set expectations we hold ourselves to.
Effective September 14, 2026
1. What Net Sheets App does
Net Sheets App produces estimated closing cost figures — commonly called net sheets — for real estate transactions. You enter deal details, we calculate estimated costs and proceeds, and you can save the result, share it by link, or export it as a PDF.
By creating an account you agree to these terms. If you are signing up on behalf of a brokerage or title company, you confirm you are authorised to accept these terms for that organisation.
2. Estimates are not closing disclosures
Every figure we produce is an estimate. Tax rates, title premiums, recording fees, and proration rules vary by state, county, and closing date, and they change over time. Our calculations rely on the rates configured in your account, which you are responsible for reviewing.
Where a state's rates have not yet been verified by us, we mark them as unverified and ask you to confirm them before you can share or export a sheet. Confirming means you accept responsibility for those figures.
3. Your account
Keep your password secure and let us know promptly if you believe your account has been accessed without your permission. You are responsible for activity under your account.
If you join a brokerage, that brokerage's administrators can manage your membership and set the default rates and branding your sheets use. If a title company sponsors you, you keep your own account and branding, and the sponsor supplies rate defaults. A sponsor may also choose to pay for your seat; that is a separate, explicit step, and section 4 explains how it works.
4. Free use, paid seats, and billing
Net Sheets App is free to use within the allowance below. Beyond it, the service is sold as a paid seat: one subscription per person, billed monthly at $9.99 per seat, which removes the monthly limit on saving new sheets for that person.
Our commitment on charging
- Each person can save up to 5 net sheets per calendar month at no cost. This allowance resets at the start of each month and needs no payment details.
- Seats are charged individually, per person. There is no pooled account-level bill: adding a seat for one person never enrols anyone else, and a brokerage or title company is charged only for the seats it has explicitly taken out.
- A seat can be paid for either by the person using it or by a title company that sponsors them. Sponsorship of your branding and rates does not by itself mean anyone is paying for your seat, and a sponsor is never charged for a seat it did not explicitly agree to fund. Your account always shows who pays for your seat.
- If a sponsorship ends, the seat it funded stays active until the end of the period already paid for, and then returns to the free allowance. We do not cut access short for time that has been paid.
- We will email you at least 30 days before the free allowance is first enforced on your account, including the price and what counts toward the allowance. Until that notice period has passed we will not block you from saving, and we will not charge you retroactively for earlier use.
- Net sheets you have already saved remain viewable, exportable, and shareable even if you exceed the free allowance and choose not to subscribe. Reaching a limit may prevent you creating new sheets; it will not lock or delete your existing work.
You can cancel a seat you pay for at any time from your billing settings. Cancellation takes effect at the end of the period you have already paid for, and you keep seat access until then. Because a month of access is delivered as soon as it is paid for, monthly charges are not automatically refunded on cancellation.
If you believe you have been charged in error, or something has gone wrong with a charge, contact us at info@netsheetsapp.com and we will review it. We can issue a full or partial refund of a charge at our discretion, and we will refund charges we have made in error. A refund is returned to whoever was billed for that seat — so where a title company funded a seat, the refund goes to the title company, not to the agent. Refunding a charge does not retrospectively remove net sheets that were already saved during the period.
We will publish any change to the seat price on this site before it takes effect, and we will update these terms with a new effective date when it does.
5. Sponsor workspaces and co-branded links
A title company or mortgage lender can operate a sponsor workspace. Agents they sponsor keep their own account, their own branding, and every net sheet they have saved — a workspace never takes those over, and ending a workspace never removes them. A workspace supplies rate defaults and a co-branded "Get pre-approved" or "Order title" link that can appear on the agent's net sheets. An agent may belong to more than one workspace and chooses which one is active; sheets they build carry that workspace's branding until they switch.
Workspace subscription
A sponsor workspace is a paid subscription billed to the sponsoring organisation at a flat $99.00 per workspace, per month. It is charged per workspace, not per sponsored agent: the workspace fee covers the branded storefront, rate defaults, and co-branded links, and it never pays for any agent's seat. A sponsored agent still uses the free allowance or their own paid seat exactly as in section 4, whether or not the sponsor pays for that seat. A workspace admin can start or cancel the workspace subscription at any time from billing settings in the app; cancellation takes effect at the end of the period already paid for, and monthly workspace charges are not automatically refunded on cancellation. As with seats, we will give at least 30days' notice of any price change, and refunds follow the same discretionary process described in section 4.
Advertising, not endorsement or referral
A co-branded link on a net sheet is a paid advertising placementfor the sponsor, displayed as co-branding ("powered by") beside the agent's own details. It is not the agent's endorsement of the sponsor, and it does not represent that the agent recommends that provider over any other.
The agent retains full, independent choice of title, settlement, and lending providers for every transaction. Use of Net Sheets App is never conditioned on sending business to a sponsor, and a sponsor may not require referrals as a condition of sponsorship, rate defaults, or paying for a seat. Nothing in a workspace is a fee, kickback, or thing of value given or received for the referral of settlement-service business, and the parties agree to use the workspace only in a manner consistent with RESPA and applicable law.
A co-branded figure is still an estimate under section 2 — the agent remains responsible for reviewing every sheet before sending it, whatever branding it carries.
6. Acceptable use
Do not use the service to break the law, misrepresent figures to consumers, attempt to access other accounts, scrape or resell our calculations as your own product, or interfere with the service's operation. We may suspend accounts that do these things.
7. Your content
The deal details and branding you enter remain yours. You grant us only the permission needed to operate the service — storing your data, generating your sheets, and serving the share links and PDFs you ask for. We do not sell your data.
8. Availability and changes
We aim to keep the service available and accurate, but we provide it on an "as is" basis without warranties. We may change or discontinue features. If we make a change that materially reduces what your account can do, we will give you reasonable notice.
9. Limitation of liability
To the extent permitted by law, we are not liable for indirect or consequential losses, or for losses arising from your reliance on an estimate. Because our figures are estimates that you review before sending, decisions made on the basis of a net sheet remain yours.
10. Ending your account
You can stop using the service at any time and ask us to delete your account. We may suspend or end an account that breaches these terms. See our Privacy Notice for what happens to your data.
11. Contact
Questions about these terms, including anything about future charging, can go to info@netsheetsapp.com.