Terms of Use

These Terms of Use (“Terms”) govern your access to and use of RECO Data LLC’s website, services, and reports (including the PEN Report™). By using our website or downloading a PEN Report, you agree to these Terms. If you do not agree, you must not use our services.

1. Informational Use Only

The PEN Report and any data or content provided on this website are for informational purposes only. They are not legal, financial, tax, investment, or real estate advice and should not be relied upon as such.

2. Data Sources and Accuracy

Data is sourced from third-party providers, including public records, government databases, municipal systems, and licensed data suppliers. RECO Data LLC does not guarantee accuracy, completeness, reliability, or timeliness. Data may be incomplete, outdated, or contain errors, and you agree to independently verify all information before making decisions.

3. Refunds

If a PEN Report comes back mostly empty because records are not available for that address, email support@recodata.co and we will refund that report.

4. User Responsibilities

You are solely responsible for:

  • Evaluating the accuracy and usefulness of the report or website information
  • Conducting your own due diligence or consulting with professionals
  • Ensuring compliance with all local, state, and federal laws

5. Prohibited Uses

You may not use the PEN Report or website:

  • For any illegal or unlawful purposes, including but not limited to discrimination, profiling, or harassment
  • In violation of the Fair Housing Act or any anti-discrimination laws
  • To resell, redistribute, or commercially exploit reports without written consent

6. Intellectual Property

All content on this website, including the PEN Report, is owned by RECO Data LLC and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, modify, or distribute our content without express written permission.

7. No Warranties

RECO Data LLC provides all services, reports, and website content “as is” and “as available” without warranties of any kind, express or implied. We disclaim any liability for errors, omissions, or reliance on information provided.

8. Limitation of Liability

RECO Data LLC and its affiliates shall not be liable for any damages, losses, or claims (direct, indirect, incidental, or consequential) arising from:

  • Your use of or reliance on our website or reports
  • Errors or inaccuracies in data
  • Inability to access or use the services

9. Indemnification

You agree to indemnify and hold harmless RECO Data LLC, its owners, and affiliates from any claims, liabilities, damages, costs, or expenses (including legal fees) resulting from:

  • Your use or misuse of the website or PEN Report
  • Violation of these Terms
  • Violation of any applicable law or third-party rights

10. Changes to These Terms of Use

RECO Data LLC reserves the right to update or modify these Terms at any time. Continued use of the website after changes constitutes your acceptance of the updated Terms.

11. Governing Law

These Terms are governed by and construed under the laws of the State of New York, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the courts located in New York, NY.