THE ARCHITECTURE
(Why This Is Different)

Every other CRM starts with a contact. 4BIZapp® starts with the conversation.

In a traditional CRM, the contact is the object. You create a contact record. You link a deal to the contact. You log a call to the contact. You file an email under the contact. The contact is the hub. Everything orbits it.

That means 30 minutes a day of mindless data entry. That means "which deal was that text about?" That means the buyer called three times and the second call got logged under the wrong property because you were in the middle of a showing.

4BIZapp® inverts the model. The conversation is the object. The collection is the deal. A communication comes in — a call, a text, an email, a voicemail, a meeting invite, documents — and the system automatically assigns it to a collection based on the characteristics it carries. The property address. The DID number. The topic. The contact. The collection assembles itself.

Contacts are linked to the collection. Not the other way around.

4BIZapp® Multi-tasking

ZERO MANUAL LOGGING

You talk. 4BIZapp® logs.
You never touch a CRM field again.

The #1 time sink for a real estate agent isn't showings. It's the CRM. Logging the call. Typing the note. Updating the deal stage. Filing the email. Adding the new contact. Tagging the topic.

That's 30 to 60 minutes a day. That's 2 to 4 hours a week. That's the reason you don't update your CRM. And the reason your CRM is useless, because it doesn't reflect what actually happened.

4BIZapp® eliminates the logging step entirely.

  • The buyer texts you → the contact is automatically created, the message is filed in the collection, the topic is tagged.
  • The lender calls about the loan → Chase Mortgage is added to the collection, the call is recorded and transcribed, the AI writes the summary.
  • You email the title company about the wire instructions → the email is in the thread, the attachment is linked, the topic is "escrow_discussion."
  • The inspector leaves a voicemail → it's transcribed, filed, summarized. You read or listen to it in the thread.

You can add a contact manually. You can type in a property address. You can create a deal from scratch. The fields are there. The buttons work.

But you won't. Because the automation is the product. The manual entry is the fallback.?

4BIZapp® Multi-tasking

THE COLLECTION
(What It Actually Is)

The collection is the deal. The deal doesn't exist until the conversations create it.

A collection is every communication related to a specific matter — a property, a deal, a transaction, a collaboration — organized into a single timeline. Calls. Texts. Emails. Voicemails. Meeting invites. Chat messages. Attachments. Notes. All in one thread. All timestamped. All searchable.

It handles the gray area.

You're a buyer's agent. You're fielding general info calls for a client who's just started looking. There's no deal yet. No property. No escrow. In a traditional CRM, you don't know where to file these. They don't fit a deal record. They don't fit a contact record. You put them in "misc" or you don't log them at all.

4BIZapp® creates a collection for the collaboration. The calls land there. The texts land there. The moment the client says "okay, I want to make an offer on 1590 W 9000 S" — the collection becomes a transaction. The milestones start. The trust score starts tracking the negotiation.

But you won't. Because the automation is the product. The manual entry is the fallback.?

It handles the gray area.

Appraisal ordered. Escrow opened. Closing scheduled. Each one has a date, a time, and a status. Green means done. Red means it's next. You don't update the stage. The system does. No dropdown. No "what stage are we in?" No status update.

4BIZapp® Multi-tasking

AI INTELLIGENCE (Trust Score, Emotion, Notes, Drafts)

4BIZapp® knows if your buyer is getting cold before they ghost you.

Trust Score (0–100). Every collection has a trust score. The AI reads the conversation itself, both sides of it, and scores how engaged and confident the other party is. It updates every time a new message comes in. 82 and rising? Your buyer is motivated and engaged. 64 and dropping? They're getting cold. The score is visible in the inbox as a filterable column. You can sort your entire pipeline by trust. You can see at a glance which deals are heating up and which are going quiet.

Emotion state. Hover over any contact in the thread. You see their current emotional state: "positive / motivated." "neutral / evaluating." "negative / frustrated." Not a guess. Not a label you assigned. The AI read the conversation and told you where they're at.

AI Notes. Every communication gets a summary. Every collection gets a running narrative. You don't write "buyer called re: inspection." The system does. You add one line if you need to: "Buyer requested a showing." The AI drafted the rest.

AI Drafts. The system writes your reply. Not a template. A specific, transaction-aware response that references the items discussed in the thread. You read it. You tweak one sentence. You hit Send.

AI Tabs. Summary. Timeline. Entities. Next Best Action. Risks. Playbook & Coaching. Deal Likelihood. Engagement Score. These tabs follow your selection — whether you're in inbox mode or search mode, whether you're looking at a thread or a contact. They're contextual. They're always there.

And when there's not enough data, the AI says so. "No summary available." "No strong signals detected." "No action available." It doesn't pad. It doesn't force a recommendation. You trust the alert because you trust the silence.

4BIZapp® Multi-tasking

4BIZapp® Multi-tasking

LIVE COACHING (AI-Coached Calls)

You walk in with a plan. 4BIZapp® coaches you while you talk.

You're about to call the buyer on the 1590 W 9000 S deal. The offer expires Thursday. The inspection is Friday. The buyer asked about their loan amount three days ago and hasn't heard back.

You hit "Start Call." Before you dial, 4BIZapp® shows you:

The script. "Property Transaction Follow-Up Guide." Five steps. Confirm the appraisal. Address the offer expiry. Resolve the technical issue. Finalize the counter. Schedule the follow-up. Specific to this deal. Not a generic "hey, just checking in" template.

The objections. "Concerns about offer fairness; respond with market data and negotiation strategies." Red border. The thing they're most likely to push back on. You already know how to handle it before they say it.

Then, while you talk:

One sentiment line for the whole call. Every time the customer finishes a thought, 4BIZapp® scores it and plots it. One doubtful sentence nudges the line; a real shift moves it. You see "▲ warming" or "▼ cooling" at a glance.

Buying signals and objections, marked. A green dot when they ask about a showing, financing or timing. A red dot when price or trust comes up. Hover a dot to see exactly what they said.

A talk-time coach that doesn't guess. Measured from the audio: "You 62% · Customer 38%." Talk 70% of the last two minutes, or 45 seconds straight, and it tells you to ask a question.

Your next line. One short tip written for what the customer just said, using your pre-call notes.

The post-call report. After you hang up: the summary, the customer's sentiment and intent, next steps, and the full sentiment curve, saved on the call. Nothing to type.

And you choose: "Continue with Coaching" or "Continue without Coaching." The AI is available. Not forced.

4BIZapp® Multi-tasking

EVERY CHANNEL, ONE THREAD

Call. Text. Email. Voicemail. Chat.
Meeting. All in the thread.

Your buyer calls. It's recorded. Transcribed. Filed in the collection.

Your seller texts. It's in the thread. Topic-tagged. AI-summarized.

Your lender emails. It's in the thread. Attachment linked. Summary written.

The inspector leaves a voicemail. It's transcribed. You read or listen to it in the thread.

You schedule a video meeting. The invite is in the thread. The RSVP is in the thread. The meeting can be saved in the thread.

Recording is automatic — and legally compliant. Outbound calls are analyzed before every call. One-party consent state? It records. Two-party consent state? It knows. The consent history is tracked per contact — if the buyer already heard the disclosure on a previous call, the system flags it. You see the options. You pick. Or the system picks the safest one and you override it. Inbound calls play the legal disclosure prompt. You don't guess. You don't forget. Every call is captured.

In a state where you can't record, you still get the full AI stack. The transcript is generated live. The emotion analysis runs in real time. The trust score updates. The note is written. The only thing that doesn't exist is the audio file. And that's the correct legal posture.

Conference calls up to 250 participants. Buyer, seller, two agents, lender, title company, inspector, home warranty. Everyone on one call. Everyone in the thread.

Attachments. Files, documents, images, recordings — linked to the collection or to the individual communication. Preview. Download. Share. Without leaving the thread.

Expandable view. Click any communication in the timeline. The full recording, transcript, metadata, attachments, and AI analysis open inline. Not a new window. Not a new tab. Right there.

4BIZapp® Multi-tasking

PREFERRED CHANNEL + DRIP

You don't remember to send it. 4BIZapp® does.

Preferred channel. Your buyer prefers text. Your seller only answers email on Wednesday afternoons. Your lender is call-only, Tuesday evenings. The system learned all of that from the communication history. You don't set a preference. You don't fill out a form. The week grid tells you when to reach them, and the confidence score tells you how sure it is.

Drip communications. You write the email. You pick the day. You pick the time. You hit Schedule. The system sends it. At the right time. To the right person. On the right channel.

You used to write five text drafts. Save them in your notes app. Try to remember to send one Monday, one Wednesday, one Friday. You send the Wednesday one on Tuesday. You forget the Monday one. The buyer calls their other agent.

Stop doing that.

You compose once. The system handles the rest. No sticky notes. No "did I send that?" No drafts folder with 47 unsent follow-ups, they all land in your thread after delivery.

The drip isn't a marketing tool. It's a memory you don't have to maintain.

4BIZapp® Multi-tasking

4BIZapp® Multi-tasking

COLLECTION SEARCH

You type "15." 4BIZapp® knows which property you mean.

You need a communication from three weeks ago. The buyer asked about their loan amount. You don't remember which deal it was on. You don't remember the date. You don't remember if it was a call or a text or an email.

You toggle to search. You type "15."

The system auto-completes: "1590 W 9000 S West Jordan, UT 84088." Topic: "escrow_discussion."

The threads appear. The loan amount question is there. August 14th. Three weeks old. Still in the thread.

You can search by property address. By contact name. By topic. By communication content. By note. By attachment. You pick the threads you need, and the AI tabs follow them. You run the AI summary on the escrow discussion without ever leaving the screen.

No new window. No new tab. No "let me open the CRM and find that deal." You're already here.

4BIZapp® Multi-tasking

PROSPECTING ENGINE

20 strategies. You pick one. 4BIZapp® builds the list. Then the AI writes your outreach.

Strategies. Pre-Foreclosure, Probate / Inherited, Vacant Homes, High Equity Absentee, Tired Landlord,REO / Bank-Owned, Cash Buyer, Free & Clear, Auction Properties, Judgment / Lien, Owner Deceased, Active Flipper, Expired MLS Listings, Recent Homeowner, Long-Term Owner, High Equity Refi, Solar (Owner-Occupied, High Value), Roofing (Older Home, High Equity), HVAC (Older Home, Owner-Occupied), Custom.

You pick the strategy. You pick the geography — city or ZIP. You pick the count. 4BIZapp® builds the list. 500 targeted leads in one click.

Then the AI writes your outreach. Script. Objection handling. Channel preference. Cold call. SMS. Email. Whatever channel the data says they'll actually respond to. This isn't a lead list builder. "Find me leads in this ZIP" is a lead list builder. "Find me 500 homeowners in Phoenix with a 20-year-old roof, $400K equity, and an HVAC system that's about to need replacement" is a conversation starter.

4BIZapp® Multi-tasking

4BIZapp® Multi-tasking

TEAM

Your listing number is the team's number.
The collection doesn't care who answered.

A broker or agent invites their team. Each agent gets their own DID number and email address for personal leads. But the listing number — the one on the sign, the one in the MLS, the one the buyer or seller dials — is the team's number.

When the buyer calls the listing number, the system assigns it to the right collection. Buyer's thread. Seller's thread. Lender's thread. All on the same number. All in the right place. Doesn't matter which agent picks up. Doesn't matter if it's the broker's assistant or the transaction coordinator. The communication is in the deal thread. The whole team sees it.

No "did you get that text from the buyer?" No forwarding. No "can you send me that email again?" The collection is shared by default.

All team members are users. Not all users are on a team. An independent agent in the office can team up with a broker or other agent's team. They pay their own way. They get their own number. But their personal DID links to the same collections as the team's shared DID. When they collaborate on a deal, the thread is the same thread. No forwarding. No "can you send me that email again?"

Team members can also use the internal chat. Every message is logged into the thread. Every channel, every team member, every collection — one record.

4BIZapp® Multi-tasking

4BIZapp® Multi-tasking

COMPLIANCE
(The Thread Is the Record)

If it's not in the thread, it didn't happen.
And everything is in the thread.

Every communication. Every note. Every attachment. Every milestone. Timestamped. Immutable. Searchable. Visible to the team.

The buyer says "the agent promised me the inspection would be waived." The thread shows the exact email, the exact date, the exact words. The AI summary is on the message. The attachment is linked. The trust score at that moment is recorded.

The wire fraud alert for the Winnetka deal is in the thread. Timestamped. Attached to the property. Visible to every agent on the team. If the buyer calls and says "I sent the funds to the new account," the thread shows the fraud alert was delivered three days ago. That's your E&O defense. That's your "we told them" record.

This isn't a feature. It's the architecture. In a traditional CRM, the compliance record is whatever the agent remembered to log. In 4BIZapp®, the compliance record is the thread. And the thread is complete, because the system logged it, not you.

4BIZapp® Multi-tasking

SPAM + SECURITY

Your conversations are safe. Your threads are clean.

AI-powered spam filtering. 4BIZapp® identifies and blocks unwanted communications before they hit your thread. Not just phone spam — email spam, text spam, chat spam.

Granular blocking. Block individual numbers. Block ranges. Block area codes. Block states. Block toll-free numbers. Whitelist specific senders (your e-sign service, your title company, your lender's portal).

Shaken/STIR integration. Preemptive caller authentication. If the call isn't validated, it's flagged. If it's spoofed, it's blocked. Your conversations, threads, and transactions are safer.

OPT IN / OPT OUT language. TCPA compliance language is built into every SMS. You don't type it. The system adds it. Every time.

NOTIFICATIONS

You know what just happened. Without checking.

New communication in a collection. Important MLS update (if linked). New lead from the prospecting engine. Trust score drop on a hot deal. Escrow milestone hit.

Click the notification. You're there. In the thread. On the right communication. The right context. No "which deal was that about?" No scrolling. No searching.

The notification is the door. The collection is the room. You walk in and you're already in context.

FOR ENTERPRISE / TECHNOLOGY PARTNERS

Patented architecture. Production-tested. Live.

4BIZapp® is built on its US Patent covering a system for organizing multi-channel communications into collections, applying machine-learning-based emotion analysis to those collections, and presenting trust indicators and notifications derived from that analysis.

The architecture is deployed in production. It is not a whitepaper. It is not a roadmap. It is a live, operating CRM currently deployed in the real estate sector, with a registered trademark and a full product suite.

The platform is general-purpose. The industry-specific modules are modular and configurable. The core architecture — collection-based communication organization, ML emotion analysis, trust scoring, DID-to-collection assignment, preferred channel detection — is vertical-agnostic.

For technology partners, licensing inquiries, and integration discussions: Contact

FAQs

4BIZapp® frequently asked questions

4BIZapp® Multi-tasking

A CRM is contact-first. You create a contact, link a deal, log a call. 4BizApp is communication-first. The conversation creates the collection. The collection links the contacts. You don't log anything. The system does.

You can. The fields are there. But you won't. The system creates contacts from communications, assigns topics from content, builds collections from DID numbers and property addresses, and writes notes from transcripts. Manual entry is the fallback. Automation is the product.

Phone calls (inbound and outbound), voicemail (auto-transcribed), SMS/text, email, chat, video calls, meeting invites, and VOIP. All in the same collection. All in the same timeline.

Each time a new message comes in, the AI reads the conversation, both sides of it, and scores how engaged and confident the other party is. It tracks that over time: is the buyer getting more engaged or more frustrated? The score (0–100) is visible in your inbox as a filterable column. You can sort your entire pipeline by trust.

Before a call you get a script for that deal and the objections that contact is likely to raise. During the call, 4BIZapp® plots the customer's sentiment, marks buying signals and objections, shows who's doing the talking, and suggests your next line. Afterwards it writes the summary and next steps and saves the whole curve on the call. You choose per call: "Continue with Coaching" or "Continue without Coaching."

Yes. When a broker's team shares a listing number (DID), all communications on that number land in the same collection regardless of which agent picks up. Each agent also has their own personal number for individual leads.

All communications are encrypted in transit. Recording consent is tracked per contact. Shaken/STIR caller authentication is integrated. TCPA compliance language is automatic on all SMS. The collection constitutes a complete, timestamped, immutable record.

Yes. Convert any collection (or subset) to a set of emails for delivery. Subject lines are auto-populated with the communication type. Originator information is included. "Send the full escrow thread to the title company" is one click.

A DID number (a dedicated phone number) can be linked to one or more collections. When a communication arrives on that number, the system assigns it to the correct collection based on the context — the property, the contact, etc.

It's not a 1-to-1 mapping. One listing number can feed multiple collections (the buyer's thread, the seller's thread, the lender's thread — all on the same number, all in the same property, but organized by who's talking). And a team member's personal number can link to the same collections as the team's shared number. The broker's DID and the agent's DID both feed into the same deal thread.

The number isn't just a routing mechanism (which agent gets the call). It's a collection identifier (which deal this conversation belongs to). No other CRM works this way.

Yes. The core architecture — collection-based communication organization, ML emotion analysis, trust indicators, DID-to-collection assignment, preferred channel detection — is covered by the patent.

Open-Book Pricing - Our cost plus 15%, and a flat fee per transaction.

Make 200 calls this month? Pay for 200 calls. Make 800 during a hot listing? Pay for 800. No tier upgrade. No "you've exceeded your plan." No sales call. The meter runs, you see the number, you pay the number.

How It Works

Every action in 4BIZapp® is billed at what it costs us, plus 15%. The table below shows our cost, our 15%, and what you pay, side by side, down to our server bill. No subscription tier. No seat count. No feature gate. No "that's an Enterprise feature."

A flat $25 per transaction. Besides usage at our cost plus 15%, each transaction you run in 4BIZapp has a flat $25 software fee, charged once on your monthly bill after it goes under contract. It's the same whether the deal closes, falls through or is still open, because it pays for the software you used to run it, not for the outcome. You don't report it; the system sees the accepted contract when it's filed. A month with no new contracts? You pay our cost plus 15% and nothing else. If a fee isn't yours (another agent's deal, a duplicate), press "Not a transaction" in your billing panel. (All refunds are subject to review.)

Getting started: $250, one time. It sets up your account and your phone number, and $100 of it goes straight into your balance as usage credit. From then on, what you use comes out of your balance, and you can watch it go down in real time in your inbox.

Auto top-up. When your balance drops under $25, we add $100 from the card you signed up with. If a top-up can't go through, outgoing calls, texts and prospecting pause until you add credit. Incoming calls, texts and email keep landing and keep getting filed.

Pricing Table

Category Item Our cost Our 15% You pay
Getting started Account setup + your phone number (one time; $100 of it is usage credit) flat fee $250 once
Transaction Each transaction side you run in 4BIZapp, charged once on the monthly bill after it goes under contract, whether it closes or not. Refunded if it isn't yours. flat fee $25 per transaction
Phone number Each active phone number: the number itself (~$1.15) plus the carriers' monthly business-texting campaign fee (10DLC, ~$1.50). One-time carrier registration is covered by your setup fee. $2.65 $0.40 $3.05/mo
Calling line Optional second number for first calls to new contacts, so your main number stays clean; or an old number you swapped out that keeps forwarding calls and texts to you. Calls only, so it's just the number itself (~$1.15). $1.15 $0.17 $1.32/mo
Office line Optional office number for a brokerage: front desk, menu, extensions and desk phones. Local (~$1.15) or toll-free (~$2.15). $1.15–2.15 $0.17–0.32 $1.32–2.47/mo
Hosting Your share of the servers, database, backups and security that run the system (one per paying account; your team members don't add to it) $3.00 $0.45 $3.45/mo
Calls Inbound (per minute, includes recording + transcription) $0.0140 $0.0021 $0.0161/min
Inbound to a toll-free number (per minute; carriers charge more for toll-free) $0.0275 $0.0041 $0.0316/min
Your own leg on your phone (per minute): an incoming call ringing through to your cell, or 4BIZapp calling you back to place a call. Carriers charge for this second leg too. $0.0140 $0.0021 $0.0161/min
Your own leg in the in-app phone or on a desk phone (per minute) $0.0040 $0.0006 $0.0046/min
Outbound (per minute, includes recording + transcription) $0.0195 $0.0029 $0.0224/min
Conference (per participant-minute) $0.0140–0.0195 $0.0021–0.0029 $0.0161–0.0224/min
Voicemail (per minute, includes transcription) $0.0140 $0.0021 $0.0161/min
Text Per SMS sent or received (includes AI summary + spam check) $0.0153 $0.0023 $0.0176/msg
Per MMS (picture or file) sent or received $0.0330 $0.0050 $0.0380/msg
Email Per email sent or received (includes AI summary + emotion analysis) $0.0041 $0.0006 $0.0047/email
Meetings Per meeting invite sent $0.0001 $0.0000 $0.0001/invite
Chat Team chat $0 $0 Included
AI Intelligence Emotion analysis, AI summary and spam check on every message in the message cost Included
Trust Score update (after each new message in a conversation) $0.0020 $0.0003 $0.0023/update
AI Note on a call or lead $0.0080 $0.0012 $0.0092/note
AI Draft / Email / Text Generation $0.0060 $0.0009 $0.0069/draft
AI tools: call script, likely objections, persona, prospect insights (per run) $0.0180 $0.0027 $0.0207/run
Contract / document filed (property, deal, parties and deadlines filled in for you) $0.0400 $0.0060 $0.046/document
Live Coaching (per minute of a coached call) $0.0120 $0.0018 $0.0138/min
Post-Call Report (per coached call) $0.0100 $0.0015 $0.0115/call
Prospecting Per lead in a lead list $0.0200 $0.0030 $0.023/lead
Single property lookup $0.1000 $0.0150 $0.115/lookup
Storage Call recordings + attachments (charged once, when saved) $0.80/GB $0.12/GB $0.92/GB
Team Team members (their usage comes out of your balance) $0 $0 Included
Export Collection-to-email export (billed as email) $0.0041 $0.0006 $0.0047/email

"Our cost" is what Twilio, the AI providers, our data provider and storage charge us for that item, including carrier fees. When their prices change, ours follow, and this table is updated. Rates are shown rounded; your billing panel shows every charge exactly.


What's Included in Every Rate (No Upsell)

  • Emotion analysis (on every communication)
  • AI summary (on every communication)
  • Topic tagging (automatic)
  • Collection assignment (automatic)
  • Contact creation (automatic)
  • Timeline organization (automatic)
  • Spam filtering + Shaken/STIR
  • TCPA compliance language (automatic on SMS)
  • Inbound context appending (automatic)
  • Collection search
  • Notifications
  • Attachments (preview, download, share)
  • Expandable communication view
  • Milestones / deal lifecycle tracking

You never pay extra to see what happened. You never pay extra to find it. You never pay extra to log it. The AI that reads every message is built into the message rate: the recording, the transcription, the emotion analysis, the spam check and the AI summary. The AI that does extra work for you (notes, drafts, trust updates, live coaching, filing your contracts) is listed separately at our cost plus 15%, and only runs when you use it.


Typical Month (What an Agent Actually Pays)

Profile: Solo agent, active in 8–12 deals, 3 new contracts this month.
Activity Volume Cost
Hosting1 account$3.45
Phone number1$3.05
Inbound calls300 min$4.83
Outbound calls400 min$8.97
Conference calls60 participant-min$1.16
Texts200 messages$3.52
Email150$0.71
Voicemails60 min (30 voicemails)$0.97
Trust Score updates200$0.46
AI Notes100$0.92
AI Drafts40$0.28
Call prep (scripts + objections)50 runs (25 calls)$1.03
Live Coaching125 min (25 calls)$1.72
Post-Call Reports25 calls$0.29
Contracts / documents filed12$0.55
Prospecting1,500 leads (3 lists)$34.50
Storage1 GB of new recordings + files$0.92
Usage (our cost + 15%)~$67.32
Transactions3 under contract$75.00
Total~$142/mo

That's a full AI-powered CRM with recording, transcription, emotion analysis, trust scoring, live coaching, contract filing, drip, prospecting, and compliance, for about $67 in a month with no new contracts, plus a flat $25 for each transaction you run.


Profile: Team of 4, a phone number each, 30 active deals, 8 new contracts this month.
Activity Volume Cost
Hosting1 account$3.45
Phone numbers4$12.19
Inbound calls1,200 min$19.32
Outbound calls1,500 min$33.64
Conference calls300 participant-min$5.78
Texts800 messages$14.08
Email600$2.83
Voicemails200 min (100 voicemails)$3.22
Trust Score updates800$1.84
AI Notes400$3.68
AI Drafts150$1.03
Call prep (scripts + objections)160 runs (80 calls)$3.31
Live Coaching400 min (80 calls)$5.52
Post-Call Reports80 calls$0.92
Contracts / documents filed40$1.84
Prospecting4,000 leads (8 lists)$92.00
Storage4 GB of new recordings + files$3.68
Usage (our cost + 15%)~$208.33
Transactions8 under contract$200.00
Total~$408/mo

About $52 per user in usage for a full office: agents, brokers, office managers, transaction coordinators, personal assistants. Shared collections. AI coaching. TC timeline events. Prospecting. One balance. The rest is a flat $25 per transaction, whether it closes or not.


No Surprise Bills

  • There is no invoice at the end of the month. You spend from a balance you can see in your inbox at all times.
  • Top-ups are $100 at a time, only when your balance drops under $25.
  • Every charge is listed in your billing panel: what it was, when, and what it cost.
  • Transaction fees show in your billing panel with the deal name. If one isn't yours, "Not a transaction" refunds it. (All refunds are subject to review).
  • Live Coaching is your choice on every call. Prospecting lists show their lead count before you run them.

Why Pay-As-You-Go (Not Tiers)

Tiers punish growth. You're on the $99 plan. You get a hot listing. You make 400 calls that month instead of 200. Now you need the $199 plan. Or you're on the $199 plan and it's a slow month. You're paying for 400 calls and making 150.

Tiers gate features. "AI coaching is a Pro feature." "Prospecting is a Team feature." "You need Enterprise for team collections." You're not buying a CRM. You're buying a subscription to a feature list. And the feature list changes every quarter.

Open-book is honest. You made a call. It cost us $0.0195/min, you paid $0.0224. You ran a coaching session. It cost us $0.012/min, you paid $0.0138. You generated a prospecting list. It cost us $0.02/lead, you paid $0.023. You see every line item. You know exactly what you paid for. And if you do less, you pay less. If you do more, you pay more. No tier. No upgrade. No "contact sales."

Flat and predictable. Our margin on usage is a thin 15%, and each transaction you run in 4BIZapp is a flat $25 whether it closes or not. We don't take a percentage of your commission, we never touch your client's money, and we don't get paid by lenders, title companies or anyone else on your deals. So everything we build is aimed at one thing: making every transaction easier to run.

The AI is not a premium tier. AI summaries, emotion analysis and spam filtering are included in the communication rate. They're not a $99/mo "AI add-on." They're what the product does. The AI that does extra work for you (drafts, trust updates, live coaching, filing your contracts) is billed at our cost plus 15%, and you only pay it when it runs.

Contact Us

4BIZapp® is ready to help

Do you have any questions?

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4BizApp's patented Communication-Centric AI CRM functions as a living coach—helping you make smarter moves, perform at your best, and unlock the earning potential within reach.

4BIZapp Business Terms of Service

Effective Date: October 11, 2026

1. Introduction

You and the company or business that you are authorized to represent (“you,” “your,” or “Company”) agree to these 4BIZapp Business Terms of Service and all other applicable terms, policies, and documentation (collectively, “Business Terms”) by signing up for the Services, downloading, or otherwise accessing the 4BIZapp developed for businesses (“Business Services”).

4BIZapp LLC is the contracting entity providing you our Business Services. We provide our Business Services solely for your business or commercial use.

NO ACCESS TO EMERGENCY SERVICES. Please note important differences between our Business Services and mobile phone, fixed-line telephone, or SMS services. Our Business Services do not provide access to emergency services or emergency services providers, including the police, fire departments, or hospitals, or otherwise connect to public safety answering points. Company should ensure that it can contact its relevant emergency services providers through a mobile phone, fixed-line telephone, or other service.

4BIZapp is a communication and transaction CRM for real estate professionals: calling, texting, email, chat and meetings in one inbox, with recording, transcription, AI notes and coaching, contract and deadline tracking, drip campaigns, prospecting and MLS tools. When you sign up you agree to these Business Terms. When we change them in a way that matters, we ask you to accept the new version in the app.

2. Overview of the Service

The details and features of 4BIZapp are explained at https://4bizapp.com, and help pages are at https://4bizapp.com/?show=help. Features change over time, and some depend on third-party services described in section 8.

Team Accounts. An account owner can add team members and staff (such as transaction coordinators and assistants). The account owner decides what each person can see and do, and is responsible for their use of the Service. Usage by staff is charged to whoever pays for them, as shown in the app.

Your Records. You are responsible for keeping any records your license, brokerage or the law requires you to keep. 4BIZapp helps you organize them, but it is not a records retention service for your brokerage and does not replace your brokerage's systems.

3. Pricing, Payment and Credits

No Monthly Subscription. 4BIZapp has no monthly subscription or per-user fee. You pay for what you use, as described in this section and on our pricing page at https://4bizapp.com.

Activation Fee. A one-time account activation fee is charged when you sign up, after your phone number is verified. The amount, and the part of it that is added to your account as starting credits, are shown on the sign-up page before you pay. Team members and staff invited by an account that pays for them do not pay this fee.

Usage. Calls, texts, emails, transcription, AI features, storage, owner phone lookups and other usage are charged from your account's credit balance at our cost plus a markup (currently 15%), or at the fixed per-item price shown on our pricing page. Your usage and the price of each item are shown in Billing.

Phone Numbers. Each active 4BIZapp phone number has a monthly fee shown on our pricing page, charged from your credit balance.

Transaction Fee. A flat software fee is charged for each transaction you run in 4BIZapp, as described in section 4.

Credits and Automatic Top-Up. Usage is paid from prepaid credits. When your balance falls below the level shown in Billing (currently $25), we charge the card on file to add credits (currently $100), so your service keeps working. By adding a card you authorize these charges. Credits have no cash value, cannot be transferred, and are not refundable except where the law requires or these Business Terms say otherwise.

Failed Payments. If we cannot charge your card when your balance is low, features that cost money may pause until a working card is added. If an amount stays unpaid, we may suspend or close your account and seek collection of the amount owed.

Price Changes. We may change prices. We will give you at least 30 days' notice of an increase by email or in the app, and the new price applies to usage after it takes effect. Your continued use after that date is your agreement to the new price.

Taxes. Prices do not include taxes. You are responsible for any taxes that apply to your purchases, other than taxes on our income.

4. Transaction Fee

How It Works. A flat software fee is charged for each transaction you run in 4BIZapp. A transaction is a deal side in your account that goes under contract (for example, an accepted purchase contract filed in your account, or a deal marked pending or closed). Each side counts once, so representing both the buyer and the seller is two transactions. The standard fee is shown on our pricing page. The fee that applies to you is shown in Settings, Billing, and may differ if we agreed to a different rate with you in writing.

When It Is Charged. Transaction fees are charged from your credit balance on the monthly bill after the month the transaction went under contract, to whoever pays for the agent on the transaction. The fee does not depend on the outcome: it is the same whether the transaction closes, is cancelled or is still open.

Not a Transaction. If a fee was charged for something that is not one of your transactions (for example, a duplicate deal, another agent's deal, or a document filed only for reference that never went under contract), press "Not a transaction" in Billing. The fee is refunded to your balance and the deal is flagged for review. Repeated disputes may be reviewed before a refund. If our review shows it was one of your transactions, we will tell you and may charge the fee again.

Deals Shared With You. A deal copied into your account from another agent's invitation, for a transaction that closed before you joined, is never charged.

What the Fee Is For. The transaction fee is a fee for the software services you use to manage the transaction, like the other prices in section 3. It is not contingent on a closing, it is not a commission or a share of any commission, it is not payment for the referral of any client or business, and it is never paid from your client's funds. 4BIZapp does not refer clients to you and does not receive payments from lenders, title companies or other settlement service providers for your transactions.

Earlier Closed-Deal Fees. Before October 11, 2026, a fee was charged per closed transaction instead. A deal that already paid that fee is not charged again.

5. Agent Invitations

How It Works. When a transaction in your account closes, 4BIZapp invites the real estate agent who represented the other side of that transaction to try 4BIZapp, unless that agent already uses 4BIZapp, has opted out, or has no email address in the transaction documents. The invitation is sent about 3 days after the close, or sooner if you press Send now on the deal.

Sent on Your Behalf. Each invitation is sent by 4BIZapp in your name (for example, "Jane Agent via 4BIZapp"), from a 4BIZapp email address, with replies going to you. By using the Service you authorize 4BIZapp to send these invitations on your behalf. Invitations are a standard part of the Service and are one of the main ways 4BIZapp grows without charging a monthly fee, which keeps prices low for everyone. Unless your account settings offer a way to turn invitations off (which may come with a different transaction fee, shown before you choose), invitations are sent automatically.

What the Other Agent Sees. The invitation links to a read-only preview of the transaction as the other agent would already know it: the purchase contract and its addenda, dates and deadlines, the names of the parties, and the messages between you and that agent. It never includes your client's contact details, your notes, AI summaries, recordings or your commission. If the other agent signs up, a copy of that information is placed in their own account.

Your Notice and Credit. You get a notification each time an invitation is sent. When the agent you invited signs up and starts using 4BIZapp (their activation fee is paid), you receive an account credit (currently $50, shown in Settings, Agent invites). Credits are added to the account that pays for you, have no cash value, and are reversed if the new account's payment is refunded or reversed.

Recipient Choices. Every invitation includes a one-click link to stop future invitation emails, which we honor for all future invitations to that address, and our postal address. An address that received an invitation is not sent another one for at least 14 days.

Your Responsibility. You confirm that you may share the other agent's business contact information from your transaction documents for this purpose. If a confidentiality agreement or brokerage policy does not allow an invitation for a specific transaction, contact support@4bizapp.com before it is sent and we will stop it.

6. Recording, Transcripts and AI

What Is Recorded. Calls made or received through your 4BIZapp phone numbers, meetings you schedule through 4BIZapp with a connected Zoom or Google account when recording or transcripts are turned on, and recordings you upload may be recorded, transcribed and summarized by the Service.

Consent. Recording laws differ by state and country, and some require every person on a call or in a meeting to agree. 4BIZapp uses the state on your account to decide when calls are recorded automatically (one-party consent states), adds a "may be recorded" notice to meeting invitations when recording is on, and asks you to confirm consent when you upload a recording. You are responsible for getting any consent the law requires from everyone you record, and for following your brokerage's rules. By signing up, you consent to the recording of your own calls and meetings made through the Service.

Recordings With Other 4BIZapp Users. If a call or meeting is with another 4BIZapp user, the recording is available to each user from their own account.

Copies for Others. Call participants who are not 4BIZapp users may have the right to receive a copy of a recording under applicable law or your recording preferences, and may receive an automated email with the recording.

Keeping Recordings. Audio, transcripts and AI notes are kept for the life of your account, unless you delete them, and are removed as described in section 19 when your account ends.

AI Features. 4BIZapp uses third-party AI services to transcribe calls and meetings, write notes and summaries, score trust and sentiment, coach you during outbound calls when you choose "Continue with Coaching," and suggest message drafts. AI output can be wrong or incomplete. Review it before you rely on it or send it, and never use it as legal, tax or financial advice. We do not use your content to train AI models, and the AI services we use do not use your content to train their models.

7. Messaging, Calling and Prospecting Rules

Your Compliance. You are responsible for following every law and rule that applies to your calls, texts and emails, including the Telephone Consumer Protection Act, the Telemarketing Sales Rule, national and state Do Not Call rules, CAN-SPAM, state telemarketing and texting laws, carrier rules for business texting (including A2P 10DLC registration), real estate license law, and your MLS's and brokerage's rules on advertising and contact.

Consent and Opt-Outs. Only text or autodial people who have given any consent the law requires. Requests to stop (such as STOP replies or unsubscribe links) are honored automatically, and you must not try to get around them.

Prospecting Data. Prospecting tools such as expired listings and owner phone lookups use data from your MLS and from third-party data providers. This data may be incomplete or out of date. Before calling or texting a number from these tools, you must check it against the Do Not Call registries where the law requires and keep any records the law requires. 4BIZapp may limit how many prospecting calls or texts you make in a day to help protect you and our phone numbers.

Carrier Fees and Registration. Carriers charge registration and other fees for business texting. These may be passed through to you as shown in Billing, and texting may not work until registration is approved.

8. Connected Accounts, MLS Data and Other Services

Google and Zoom. When you connect a Google or Zoom account, you authorize 4BIZapp to access it with the permissions shown when you connect, only to provide the features you use (such as creating meeting links and calendar invitations, and bringing recordings and transcripts into your account). How we use this data is explained in our Privacy Policy at https://4bizapp.com/?show=pp. You can disconnect at any time in Settings or in your Google or Zoom account.

MLS Data. MLS features use your own MLS membership and credentials, or a data feed your MLS licenses to you. You are responsible for having that authorization and for following your MLS's rules and license terms, including who may see the data. 4BIZapp shows MLS data only to you and the team members you allow.

Other Services. Your use of Google, Zoom, your MLS, your email provider and other third-party services is also governed by their own terms and privacy policies.

9. Phone Numbers

Any phone numbers provided to you or your business by 4BIZapp are for use while you use the 4BIZapp service, and act as a gateway to the services they are associated with. None are intended to be a permanent number or replacement for any phone number used, leased or owned by your business. Numbers are subject to change, and a number on an account that is closed or unpaid may be released and may not be recoverable. Where the carrier allows it, you may ask us to help move a number to another provider.

10. 4BIZapp Business Account

Business Use and Eligibility. You represent and warrant that you: (a) will use our Business Services solely for business, commercial, and authorized purposes, and not for personal use; (b) will only provide registration information associated with your Company; (c) are authorized to enter into these Business Terms and are at least 18 years old (or the age of majority in your country of residence); and (d) have not been previously suspended or removed from our Business Services, or engaged in any activity that could result in suspension or removal.

Registration and Account. Business service provider must create a 4BIZapp business account by providing accurate, current, and complete information, including its valid legal business phone number, Company name, and other information we require. Company will keep its business account information updated. Company’s name must not: (a) be false, misleading, deceptive, or defamatory; (b) parody a third party or include character symbols, excessive punctuation, or trademark designations; or (c) infringe any trademark, violate any right of publicity, or otherwise violate anyone’s rights. We reserve the right to reclaim account names on behalf of any business or individual that holds legal claim in those names.

Communication Preferences. As part of your relationship with us, you permit 4BIZapp and third party providers to use your contact information to send you electronic communications (such as messages, emails, and phone calls via 4BIZapp or otherwise) from us or our third-party providers, including: (a) notices about your account, password changes, payment authorizations, and other transactional information; (b) notices about updates to our Business Terms; and (c) information about products, services, surveys, events, news, and promotions offered by 4BIZapp where permitted by applicable law. If you do not wish for 4BIZapp to communicate with you regarding (c) above, you may opt-out of future communications by following the “unsubscribe” link or instructions in any such communication. Some communications can also be disabled directly from an authorized account user’s preference control panel.

Devices. You must provide certain devices and data connections, which we do not otherwise supply, to use our Business Services.

Fees and Taxes. You are responsible for all carrier data plans, Internet fees, and other fees and taxes associated with your use of our Business Services.

Third-Party Services. Our Business Services may allow Company to access, use, or interact with websites, apps, content, and other products and services that are not provided by 4BIZapp. For example, Company may choose to use third-party data backup services (such as iCloud, or Google Drive) that may be used with some of our Business Services. Please note that when Company uses these other services, their own terms and privacy policies will govern Company’s use of those services. 4BIZapp will not be responsible or liable for your use of those services, the third-party’s terms, or any actions you take under the third-party’s terms.

Compliance with Laws and Regulations. You may only use our Business Services if you have ensured that your use of our Business Services complies with all legal and regulatory requirements applicable to Company; it is your sole responsibility to determine your legal obligations. Our Business Services are not intended for intra-company usage. We make no representations or warranties that our Business Services meet the needs of entities regulated by laws and regulations with heightened confidentiality requirements for personal data, such as healthcare, financial, or legal services entities. 4BIZapp is not liable for any acts or omissions by 4BIZapp users that breach any applicable laws. 4BIZapp reserves the right to take appropriate action, which could result in 4BIZapp suspending or terminating the use of our Business Services for product or service abuse.

Security Responsibilities. Company may only allow authorized individuals acting on behalf of Company or authorized user to access and use its 4BIZapp business account for purposes authorized under these Business Terms. Company is responsible for all activities occurring under its account. Company must: (a) maintain the security of its account credentials; (b) keep its devices and 4BIZapp account safe and secure; (c) prevent unauthorized use of or access to our Business Services; and (d) immediately notify us if Company discovers or suspects any security breaches related to our Business Services or if Company discovers or suspects any such unauthorized access or use. Company will implement and follow generally recognized industry standards and best practices for data and information security to protect Company’s data, network, and systems from unauthorized access, use, or copying. Company must promptly delete any other authorized user(s) or contact(s) information it obtained if we determine, in our reasonable discretion, that Company breached its obligation to protect and prevent unauthorized use or access to its devices, account, or systems, or otherwise breached these Business Terms.

12. Licenses and Intellectual Property

Company’s Rights. You retain all ownership and other rights in and to your Company Content.

4BIZapp’s Rights. Unless otherwise indicated, we own all copyrights, trademarks, domains, logos, trade dress, trade secrets, patents, and other intellectual property rights associated with our Business Services.

Restrictions. Except as otherwise permitted by 4BIZapp in writing, Company must not directly, indirectly, or through automated or other means: (a) distribute, sell, resell, or rent our Business Services to third parties; (b) distribute or make our Business Services available over a network to be used by multiple devices at the same time, except as authorized through tools and configurations that we have expressly provided for your use via our Business Services; and (c) copy, reproduce, distribute, publicly perform or display, modify, or make derivative works based upon all or portions of our Business Services. Company must not directly, indirectly, or through automated or other means: (d) remove any proprietary rights notices or markings; (e) reverse engineer any aspect of our Business Services or do anything that may discover source code; (f) scrape or extract data from our Business Services; (g) develop or use any applications that interact with our Business Services without our prior written consent; and (h) create software or APIs that function substantially the same as our Business Services and offer them for use by third parties in an unauthorized manner on or utilizing the 4BIZapp platform or our Business Services.

Reporting Third-Party Copyright, Trademark, and Other Intellectual Property Infringement. To report claims of third-party copyright, trademark, or other intellectual property infringement, please visit our 4BIZapp Intellectual Property Policy. If you infringe the intellectual property rights of others, we may take action with respect to your account, including disabling or suspending your account.

Feedback. We always appreciate your feedback or other suggestions about 4BIZapp. You agree that any questions, comments, suggestions, ideas, original or creative materials, or other information about 4BIZapp or our products or services that you post, submit, or otherwise communicate to us (collectively, “Feedback”) is non-confidential and that we will be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

13. Acceptable Use of our Business Services

Acceptable Use. Company will not (nor assist others to) violate any applicable law, contract, intellectual property, or other third-party right, and Company is solely responsible for its conduct while using our Business Services. Company must not directly, indirectly, or through automated or other means: (a) use our Business Services for personal, family, or household purposes; (b) instigate, engage in, or encourage any harassing, threatening, intimidating, predatory, or stalking conduct, or any other conduct that would be illegal or otherwise inappropriate, such as promoting violent crimes, endangering or exploiting children or others, or coordinating harm; (c) use or attempt to use another user’s account without prior authorization from that user and 4BIZapp; (d) impersonate or register on behalf of any person or entity or otherwise misrepresent your affiliation with a person or entity, perpetrate fraud, or publish falsehoods or misleading statements; (e) collect information of or about other users or contacts in any impermissible or unauthorized manner; (f) use our Business Services other than for their intended purpose or interfere with, disrupt, negatively affect, or inhibit other users; (g) damage, disable, overburden, or impair our Business Services; (h) send, distribute, or post spam, unsolicited electronic communications, chain letters, pyramid schemes, or illegal or impermissible communications; (i) post, upload, or share any content which is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, hateful, ethnically or racially offensive, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent, or is in our sole judgment objectionable; (j) encourage or provide instructions for a criminal offense; (k) distribute any viruses, corrupted data, or other harmful, disruptive, or destructive files or content; (l) bypass, ignore, or circumvent instructions in our robots.txt file or any measures we employ to prevent or limit access to any part of our Business Services, including content-filtering techniques; or (m) expose 4BIZapp or others to any type of harm or liability.

Enforcement. Although we have no obligation to screen or monitor Company Content (such as content you post to your business profile or distribute to other users or contact), we may, subject to applicable law, review, remove, or delete Company Content you share when it violates these Business Terms or our policies and we become aware of it. We also need and do use information reported to us by other 4BIZapp users (such as when they block you or disclose your messages to us as part of a complaint) to determine whether you have breached these Business Terms or are not complying with our policies. If we determine that you have breached these Business Terms or are not complying with our policies, we have the right to limit, throttle, suspend, or terminate Company’s account, depending on the type and circumstances of the breach and within our reasonable discretion. In the event that we terminate Company’s account, Company will not create another 4BIZapp business account without our express written permission.

Complaints. You can submit a complaint to us at support@4BIZapp.com regarding the following:

technical or technological issues, customer service issues, suspension and termination of your account or Services. We will acknowledge all complaints and follow-up with you to address your complaint within a reasonable timeframe. We will communicate the outcome of our complaint investigation to you if you have provided us with your valid email address.

14. Our Data Practices

Your Customer Contacts. Company provides customer contact information such as phone numbers (“Customer Data”) to 4BIZapp, and Company determines which of its customers it may communicate with using the 4BIZapp service. To the extent any data protection or privacy law applicable to your use of 4BIZapp’s Business Services recognizes the concepts of Controller and Processor and requires the conclusion of a data processing agreement between. You acknowledge that you are the Controller and instruct the 4BIZapp entity you are contracting with, for the duration of these Business Terms, to Process any Personal Information in Customer Data on your behalf as your Processor to enable you to contact your customers on 4BIZapp pursuant to these Business Terms and the 4BIZapp Business Data Processing Terms. “Personal Information”, “Controller,” “Processor” and “Processing” in this section have the meanings set out in the 4BIZapp Business Data Processing Terms which are incorporated by reference into these Business Terms.

Access to data, and to aggregated data. You, and your service providers, (like team, assistants or authorized users) who manage your 4BIZapp Business communications for you, if any, may have access via our Business Services to personal data, such as Customer Data, and Company Content that you provide to us. As part of our Business Services, 4BIZapp provides you with aggregated metrics relating to contacts communication behavior, sentiment and communications. If you use a service provider to manage or participate on your 4BIZapp account containing Business communications for you, then by connecting your 4BIZapp Business account and providing your service provider with account permissions, you instruct us to provide your service provider with access to these aggregated metrics other archived data. Any options or preferences that exist to limit access, like privileges or administrative access levels to the data a service provider may access, is your responsibility to manage. The discovery of such controls or options if and when available are your responsibility to use and access.

Other Information. You understand and agree that 4BIZapp collects, stores, and uses: (a) information from your business account and registration; (b) usage, log, and functional information generated from your use of our Business Services; (c) performance, diagnostics, and analytics information; (d) information related to your technical or other support requests; and (e) information about you from other sources such as other 4BIZapp users. Subject to these Business Terms and applicable law, we may share this information with third-party companies or subsidiaries to develop, operate, provide, improve, understand, customize, support, and market our Business Services.

Our Global Operations. Company agrees to the transfer and processing of information that we collect, store, and use under these Business Terms, to the United States and other countries globally where we have or use facilities, service providers, or partners, regardless of where you use our Business Services. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

Legal Disclosures and Third-Party Requests. You agree that 4BIZapp may share your information, including Company Content, if we have good-faith belief that it is reasonably necessary to: (a) respond pursuant to applicable law or regulations, to legal process, or government requests; (b) enforce these Business Terms and any other applicable terms and policies, including for investigations of potential violations; (c) detect, investigate, prevent, and address fraud and other illegal activity, or security or technical issues; or (d) protect the rights, property, and safety of our users, 4BIZapp, or other subsidiaries.

Contact Notifications. When you add contacts to your account, 4BIZapp may send them messages you set up, such as new-message alerts that let them read communications you send through 4BIZapp. Agent invitations are described in section 5. All notifications follow each contact's opt-in and opt-out choices, which they can change at any time.

15. Availability

Our Business Services may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. We reserve the right to discontinue some or all of our Business Services, in our sole discretion, including certain features and the support for certain devices and platforms. Events beyond our control may affect our Business Services, such as events in nature and other force majeure events.

16. Disclaimer

COMPANY USES OUR BUSINESS SERVICES AT ITS OWN RISK AND SUBJECT TO THE FOLLOWING DISCLAIMERS. UNLESS PROHIBITED BY APPLICABLE LAW, WE ARE PROVIDING OUR BUSINESS SERVICES ON AN “AS IS” BASIS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUS OR OTHER HARMFUL CODE. WE DO NOT WARRANT THAT ANY INFORMATION PROVIDED BY US IS ACCURATE, COMPLETE, OR USEFUL; THAT OUR BUSINESS SERVICES OR ANY OTHER SERVICES WILL BE OPERATIONAL, ERROR FREE, SECURE, OR SAFE; OR THAT OUR BUSINESS SERVICES OR ANY OTHER SERVICES WILL FUNCTION WITHOUT DISRUPTIONS, DELAYS, OR IMPERFECTIONS. WE DO NOT CONTROL, AND ARE NOT RESPONSIBLE FOR CONTROLLING, HOW OR WHEN OUR USERS USE OUR BUSINESS SERVICES OR OTHER SERVICES, OR THE FEATURES, FUNCTIONALITIES, AND INTERFACES OUR BUSINESS SERVICES OR OTHER SERVICES PROVIDE. WE ARE NOT RESPONSIBLE FOR AND ARE NOT OBLIGATED TO CONTROL THE ACTIONS OR INFORMATION (INCLUDING CONTENT) OF OUR USERS OR OTHER THIRD PARTIES. THIS SECTION IS WITHOUT PREJUDICE TO OUR OBLIGATIONS AS A DATA PROCESSOR.

17. Limitation of Liability

WE WILL NOT BE LIABLE TO COMPANY FOR ANY LOST PROFITS OR CONSEQUENTIAL, SPECIAL, PUNITIVE, INDIRECT, OR INCIDENTAL DAMAGES RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH THESE BUSINESS TERMS, OUR ACTIONS OR INACTIONS, OR OUR BUSINESS SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH THESE BUSINESS TERMS, OUR ACTIONS OR INACTIONS, OR OUR BUSINESS SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT COMPANY HAS PAID US IN THE PAST TWELVE MONTHS TO USE OUR BUSINESS SERVICES. THE FOREGOING DISCLAIMER OF CERTAIN DAMAGES AND LIMITATION OF LIABILITY WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE LAWS OF SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE EXCLUSIONS AND LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO COMPANY. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE BUSINESS TERMS, IN SUCH CASES, THE LIABILITY OF 4BIZapp AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AND AGENTS (“4BIZapp PARTIES”) WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. IF YOU ARE A CALIFORNIA RESIDENT, YOU AGREE TO WAIVE CALIFORNIA CIVIL CODE § 1542, WHICH SAYS: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.

18. Indemnification

Company agrees to defend, indemnify, and hold harmless the 4BIZapp Parties from and against all liabilities, damages, losses, and expenses of any kind (including reasonable legal fees and costs) relating to, arising out of, or in any way in connection with any of the following (“Claim”): (a) Company’s access to or use of our Business Services, including information provided in connection therewith; (b) Company’s breach or alleged breach of these Business Terms or applicable law; and (c) any misrepresentation made by Company. We have the right to solely control, and Company will fully cooperate in the defense or settlement of any Claim.

19. Modifying and Terminating our Business Services

We may modify, suspend, or terminate Company’s access to or use of our Business Services and these Business Terms at any time and for any reason, permissible by applicable law, including if we determine, in our sole discretion, that Company violates these Business Terms, receives excessive negative feedback, or creates harm, risk, or possible legal exposure for us, our users, or others.

We will give you 30 days' prior notice (unless a legal or regulatory obligation requires us to terminate the services in a shorter timeframe, or you have repeatedly breached your obligations under these Terms) and the relevant reasons for termination (except if we are legally restricted from giving reasons or if you have repeatedly breached these Business Terms). Company may contact 4BIZapp using our complaints system at support@4BIZapp.com to clarify the reasons for our termination or suspension of your account. If we are able to resolve the issue in your favor, resulting in reactivating your account, then we will reinstate our Business Services to you within a reasonable time.

Upon termination, we will remove your account profile from 4BIZapp, and retain data associated with your account for up to 90 days, including data you have provided to us or which we have collected from your use of the Business Services as described in this agreement’s section on Our Data Practices. Copies of your information may also remain after the 90 days for a limited time in the backup storage that we use to recover lost data in the event of a disaster, software error, or other data loss event.

Company may terminate these Business Terms at any time for any reason by providing us written notice. Upon termination of these Business Terms for any reason, Company must promptly discontinue all use of our Business Services, and delete any user information Company obtained in breach of these Business Terms. Fees and credits owed for use before termination remain due. The following provisions will survive the termination of these Business Terms: Third-Party Services, Company's Rights, 4BIZapp’s Rights, Feedback, Availability, Disclaimer, Limitation of Liability, Indemnification, Modifying and Terminating our Business Services, 4BIZapp Confidential Information, Publicity, Legal Compliance, Governing Law and Venue, Amendment, Assignment, Severability, Miscellaneous, and Notices.

20. 4BIZapp Confidential Information

Our communications with Company may contain 4BIZapp confidential information. 4BIZapp confidential information includes any of our materials, communications, and information that we provide to you or Company that are marked confidential or that would normally be considered confidential by a reasonable person under the circumstances. If you receive any such confidential information, you will not disclose it to any third party without our prior written consent. 4BIZapp confidential information does not include information that you independently developed, was rightfully given to you by a third-party without a confidentiality obligation, or becomes public through no fault of your own. You may disclose 4BIZapp confidential information when compelled to do so by law if you provide us reasonable prior notice, unless a court orders that we not receive notice.

21. Publicity

Except as permitted by 4BIZapp, Company will not make any public statements regarding these Business Terms and Company’s relationship to 4BIZapp. Company agrees to cooperate with 4BIZapp in responding to any user, press, or governmental inquiries that either party may receive, in the manner directed by 4BIZapp.

Our Business Services are not intended for distribution to or use in any country where such distribution or use would violate local law. We reserve the right to limit our Business Services in any country at any time, to the extent permissible by applicable law. Company will comply with all applicable U.S. and non-U.S. export control and trade sanctions laws (“Export Laws”). Company will not, directly or indirectly, export, re-export, provide, or otherwise transfer our Business Services: (a) to any individual, entity, or country prohibited by Export Laws; (b) to any individual or entity, or anyone owned or controlled by any individual or entity, on U.S. or non-U.S. government restricted parties lists; or (c) for any purpose prohibited by Export Laws, including nuclear, chemical, or biological weapons, or missile technology applications, without the required government authorizations. Company will not use or download our Business Services: (i) if it is located, or owned or controlled by anyone located, in a restricted country; (ii) if it is currently listed, or owned or controlled by anyone listed, on any U.S. or non-U.S. restricted parties list; (iii) for the benefit or on behalf of a restricted country or anyone listed on any U.S. or non-U.S. restricted parties list; or (iv) for any purpose prohibited by Export Laws. Company will not disguise its location through IP proxying or other methods.

23. Governing Law and Venue

The laws of the State of California govern these Business Terms and any Disputes (defined below) that may arise between 4BIZapp and Company, without regard to conflict of law provisions. Company will resolve any claim, cause of action, or Dispute(s) relating to, arising out of, or in any way in connection with these Business Terms, us, our Business Services, or other products and services we may make available (“Dispute(s)”) exclusively in the United States, location of court at our discretion, and Company agrees to submit to the personal jurisdiction of such courts for the purpose of litigating all such Disputes. Without prejudice to the foregoing, you agree that, in our sole discretion, we may elect to resolve any Dispute we have with you in any competent court in the country in which you reside that has jurisdiction over the Dispute.

24. Amendment

We may amend or update these Business Terms, including all incorporated policies and documents. Changes to these Business Terms become effective upon the date that we publish such changes. To the extent that we are required by applicable law to notify you in advance of implementing these changes (e.g., as set forth in the Platform Regulation), we will provide sufficient advance notice. Company’s continued use of our Business Services confirms its acceptance of these Business Terms as amended. If Company does not agree to these Business Terms as amended, Company must stop using our Business Services by deleting its account. Please review these Business Terms from time to time. When a change is material, we will also ask you to accept the updated Business Terms in the app.

25. Assignment

All of our rights and obligations under these Business Terms are freely assignable by us to any of our affiliates or in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer Company’s information to any of our affiliates, successor entities, or new owner in connection with such a merger, acquisition, restructuring, or sale of assets. Company will not transfer or assign any of its rights or obligations under these Business Terms to anyone else without our prior written consent, and any attempt to do so is void.

26. Severability

If any provision of these Business Terms is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Business Terms and shall not affect the validity and enforceability of the remaining provisions.

27. Miscellaneous

The section titles in these Business Terms are for convenience only and have no legal or contractual effect. Our Business Terms are written in English (U.S.). Any translated version is provided solely for your convenience. To the extent any translated version of our Terms conflicts with the English version, the English version controls. Terms such as “including” are to be construed without limitation. Nothing in these Business Terms will prevent us from complying with the law. These Business Terms do not establish any agency, partnership, or joint venture between Company and 4BIZapp. These Business Terms do not give any third-party beneficiary rights. If we fail to enforce any of these Business Terms, it will not be considered a waiver. Unless a mutually executed agreement between Company and us states otherwise, these Business Terms make up the entire agreement between Company and us regarding our Business Services and supersede any prior written or oral agreements.

28. Notices

Written notices to 4BIZapp may be addressed as follows:

4BIZapp LLC

ATTN: 4BIZapp Legal Department

(Check website for address)

United States of America

4BIZapp Business Data Processing Terms ("Data Processing Terms")

Effective Date: October 11, 2026

1. Definitions. For the purposes of these Data Processing Terms, the following terms have the meanings set out below:

“Controller” means the natural or legal person, public authority, agency or other body which determines the purposes and means of the processing of Personal Information.

“Personal Information” means any information relating to an identified or identifiable natural person (“Data Subject”) who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, an online identifier or to one or more factors specific to that natural person. The term “Personal Information” also covers information relating to deceased natural persons and/or juristic persons where this is required under applicable Data Privacy Law.

“Personal Information Breach” means a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, Personal Information transmitted, stored or otherwise Processed under these Data Processing Terms.

“Processing” means any operation or set of operations which is performed on Personal Information or on sets of Personal Information, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction. “Processed” and “Process” shall be construed in accordance with the definition of “Processing”.

“Processor” means a natural or legal person, public authority, agency or other body which processes Personal Information on behalf of the Controller.

Other capitalized terms used but not defined herein have the meanings set forth in the Business Terms or are otherwise defined contextually within these Data Processing Terms.

2. Applicability. These Data Processing Terms apply to the extent that the Business Terms state that 4BIZapp Processes Personal Information in your Customer Data as your Processor. In the case of an express conflict between these Data Processing Terms and the Business Terms, these Data Processing Terms will govern solely to the extent of the conflict.

3. Our Obligations as Processor. To the extent required by applicable Data Privacy Law, 4BIZapp and you agree to the following:

a. 4BIZapp shall only Process Personal Information in accordance with your instructions as set out in the Business Terms and these Data Processing Terms.

b. 4BIZapp confirms that:

i. the duration, subject matter, nature and purpose of the Processing shall be as specified in the Business Terms;

ii. the types of Personal Information Processed comprise customer contact information as described in the Business Terms;

iii. the categories of Data Subjects comprise customers with whom you communicate using the 4BIZapp service; and

iv. your obligations and rights as Controller in relation to this Personal Information are as set out in these Data Processing Terms.

c. 4BIZapp shall ensure that any person authorized to Process Personal Information under these Data Processing Terms is bound by appropriate obligations of confidentiality.

d. 4BIZapp will implement appropriate technical and organizational measures to protect the Personal Information processed under these Data Processing Terms including against unauthorized or unlawful Processing or accidental loss, alteration, disclosure, or destruction. 4BIZapp will notify you without undue delay of the discovery by 4BIZapp of any Personal Information Breach;

e. Taking into account the nature of the Processing and the information available to 4BIZapp, 4BIZapp will assist you in your role as a Controller, by appropriate technical and organizational measures, insofar as this is possible, in fulfilling any obligations under Data Privacy Law applicable to you as a Controller to respond to requests from Data Subjects regarding the exercise of their Data Subject rights;

f. To the extent required by Data Privacy Law applicable to you as the Controller, the Processor agrees to support your obligations as a Controller, in particular regarding the security of the Processing or regarding Personal Information Breaches, by providing you with reasonable assistance, taking into account the nature of the Processing and the information available to 4BIZapp;

g. Upon your request, 4BIZapp will make available to you all information and provide all assistance that is reasonably necessary to demonstrate 4BIZapp’s compliance with its legal obligations as a Processor under these Data Processing Terms;

h. 4BIZapp may subcontract its Processing obligations under these Data Processing Terms to a sub-processor, who may be based in a country other than the one in which you or 4BIZapp are located given the global nature of the 4BIZapp service, including the European Economic Area or the United States, only by way of written agreement that shall impose obligations on the sub-processor that are no less rigorous than the obligations imposed upon 4BIZapp by these Data Processing Terms. 4BIZapp will remain fully liable to you for the performance of that sub-processor’s obligations.

i. Without limiting Section 3.i. above, you hereby authorize 4BIZapp to engage other subsidiaries or third parties as its sub-processor(s). Subject to applicable Data Privacy Law, 4BIZapp will notify you in advance of any changes related to its sub-processor(s). If you reasonably object to such changes, you may inform 4BIZapp in writing and stop using our Business Services; and

j. Upon termination of the Business Terms, 4BIZapp shall cease Processing Personal Information and shall delete it within the time period set forth in the Business Terms unless applicable law requires further storage or to the extent that 4BIZapp has a right or obligation to use the Personal Information independent of the Business Terms.

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