Acceptable Use Policy

1. Purpose

This Acceptable Use Policy ("Policy") outlines the permitted and prohibited uses of Bhumi's document preparation and T-12 audit services (the "Services"). By using our Services, you agree to comply with this Policy.

2. Permitted Uses

Our Services are intended for legitimate business purposes, including:

• Preparation of T-12 operating statements for commercial real estate properties
• Reconciliation of financial documents for loan applications
• Document organization and preparation for lender submissions
• Financial statement analysis for property acquisitions or refinancing
• Supporting documentation preparation for mortgage brokers and lenders

3. Prohibited Uses

You may not use our Services to:

3.1 Fraudulent Activities

• Submit false, misleading, or fabricated documents or information
• Misrepresent property income, expenses, or occupancy
• Create documents intended to deceive lenders, investors, or other parties
• Engage in mortgage fraud or any other financial fraud
• Forge signatures or falsify authorizations

3.2 Illegal Activities

• Violate any applicable local, state, or federal laws or regulations
• Facilitate money laundering or terrorist financing
• Evade taxes or assist others in tax evasion
• Violate fair housing laws or engage in discriminatory practices

3.3 Unauthorized Access

• Access or attempt to access accounts or systems without authorization
• Share account credentials with unauthorized parties
• Circumvent security measures or access controls
• Interfere with or disrupt our Services or infrastructure

3.4 Intellectual Property Violations

• Infringe on the intellectual property rights of others
• Copy, modify, or distribute our proprietary templates or methodologies without permission
• Remove or alter any copyright or trademark notices

3.5 Misrepresentation

• Impersonate another person or entity
• Misrepresent your relationship to a property or business
• Submit documents for properties you do not own or have authorization to represent

4. Document Accuracy

You represent and warrant that:

• All documents you submit are authentic and have not been altered or falsified
• You have the legal right to submit all documents provided
• The information you provide accurately represents the financial condition of the property
• You will review all deliverables for accuracy before submission to third parties

5. Cooperation with Authorities

Bhumi will cooperate with law enforcement and regulatory authorities in the investigation of any suspected illegal activity. We may disclose information about your use of our Services if required by law or if we believe in good faith that such disclosure is necessary to:

• Comply with legal process or government requests
• Protect our rights, property, or safety
• Prevent fraud or other illegal activities
• Protect the rights, property, or safety of others

6. Enforcement

We reserve the right to investigate any suspected violation of this Policy. If we determine that a violation has occurred, we may take any action we deem appropriate, including:

• Issuing a warning
• Suspending or terminating your access to our Services
• Refusing to complete work in progress
• Reporting the activity to law enforcement or regulatory authorities
• Pursuing legal remedies

7. Reporting Violations

If you become aware of any violation of this Policy, please report it to us immediately at [email protected].

8. Changes to This Policy

We may update this Policy from time to time. We will notify you of any material changes by posting the new Policy on our website and updating the "Last Updated" date.

9. Contact Us

If you have questions about this Policy, please contact us at: