Skilmálar

🏷️ Merchant Information

Merchant / Company Name: Exerta ehf (DBA: Eignar)

Kennitala (SSN): 410224-0110

Registered Address: Blikahöfði 2, 270 Mosfellsbær, Iceland

City/Town (Visa location rule): Mosfellsbær, Iceland

Email: eignar@eignar.is

📄 Terms of Service

Effective Date: September 23, 2025

Company: Exerta ehf

Company ID (Kennitala): 410224-0110

Registered Address: Blikahöfði 2, 270 Mosfellsbær, Iceland

Service / DBA: Eignar

Contact: eignar@eignar.is (customer service via email only)

These Terms of Service ("Terms") constitute a binding agreement between you and Exerta ehf ("Exerta", "we", "us") governing access to and use of Eignar, including websites, APIs, and digitally delivered reports, analytics, and AI-generated outputs (collectively, the "Service"). By accessing or using the Service, you accept these Terms without reservation. If you do not agree, do not use the Service.

1. Nature of the Service; No Professional Advice

The Service aggregates data from public and third-party sources and generates automated outputs using algorithms and AI, including tools such as Eignar property reports and Söluyfirlitsgreinir. Outputs may be incorrect, incomplete, delayed, or unsuitable for your purpose. Information is provided strictly "AS IS" for general informational purposes. It is not legal, financial, tax, valuation, engineering, or real-estate brokerage advice, nor any other form of professional or personalized advice. You remain solely responsible for reading all original documents in full, obtaining independent professional advice where appropriate, and for any decisions made in reliance on the Service.

You acknowledge that we do not act as your real-estate agent, broker, appraiser, surveyor, structural engineer, lawyer, or financial advisor, and that no fiduciary, advisory, or client relationship is created by your use of the Service.

2. Products, Goods & Services; Prices

• Description: Digital analytics, AI-generated real-estate insights, and downloadable/online reports (“Eignar skýrslur”) delivered electronically.
• Pricing: Prices are shown in ISK. Unless stated otherwise, prices include VAT where applicable. Any taxes/fees will be displayed before checkout.
• Non-physical goods: No physical shipping; access is provided via web/app and email.
• Not applicable notice: We do not sell creams/liquids or external-use consumables; ingredient/quantity disclosures are therefore not applicable.

3. Accounts; Subscriptions; Changes

You must provide accurate registration information and keep credentials confidential. You are responsible for all activity under your account. Paid features require a subscription or one-off purchase. Subscriptions renew automatically until cancelled before renewal. We may modify features, plans, and pricing at any time; continued use after changes constitutes acceptance. Taxes may be added as required.

4. Terms of Delivery

• Delivery method: Electronic delivery (account access, links, downloadable content, and email).
• Delivery time: Typically immediate after successful payment; may vary due to processing/network/third-party dependencies.
• Shipping carrier: Not applicable (no physical shipment).
• Shipping cost: Not applicable (no physical shipment).

5. Acceptable Use; Technical Restrictions

• Do not scrape, spider, harvest, bulk-download, cache, frame, mirror, or reverse-engineer the Service or its outputs.
• Do not probe, overload, disrupt, bypass security, or attempt unauthorized access.
• Do not use outputs to build competing products, models, or datasets, or to train ML systems without our written consent.
• Do not use the Service for unlawful, deceptive, harmful, discriminatory, or infringing purposes.
• We may rate-limit, throttle, suspend, or terminate access (with or without notice) for suspected breach or abuse.

6. Intellectual Property; License; Feedback

The Service, underlying data selection/arrangement, models, software, workflows, and branding are owned by Exerta or its licensors and are protected by law. Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal, lawful purposes. We do not grant any rights by implication.

You grant us a worldwide, royalty-free license to use content you submit solely to provide, safeguard, and improve the Service. This includes, for example, using documents you upload into specific features such as Söluyfirlitsgreinir to operate that feature, monitor and enhance its quality, develop related functionality, and train and evaluate our models and analytics, in each case in line with our Privacy Notice and with appropriate technical and organizational safeguards. Feedback may be used without restriction.

7. Third-Party Services

The Service may integrate third-party services (e.g., analytics, payments, mapping, AI providers). This includes, for example, payment processing services such as Straumur and subscription/billing infrastructure such as Áskell. Those services are subject to their own terms and privacy notices. We are not responsible for third-party acts or omissions, and, unless expressly stated otherwise, your contract for use of the Service is with Exerta, not with those third parties.

8. Disclaimers

THE SERVICE AND ALL CONTENT/OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, AND NON-INFRINGEMENT. You bear all risk of use.

9. Cancellation of Service & Goods Return

• Digital content: By requesting immediate access, you acknowledge loss of the 14-day withdrawal right once access starts (see Refund Policy below).
• Subscriptions: Cancel anytime to stop future renewals; access remains until period end. No refunds for partial periods unless expressly stated.
• Physical goods returns: Not applicable; we do not sell/ship physical goods.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXERTA AND ITS DIRECTORS, EMPLOYEES, AND CONTRACTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES; LOSS OF PROFITS, REVENUE, DATA, GOODWILL; COST OF SUBSTITUTE SERVICES; OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS IN ANY 12-MONTH PERIOD SHALL NOT EXCEED THE AMOUNTS YOU PAID TO EXERTA FOR THE SERVICE IN THAT PERIOD. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS; IN SUCH CASES, LIABILITY IS LIMITED TO THE MINIMUM PERMITTED. Without limiting the foregoing, and subject to mandatory law, we are not liable for any decision to bid on, buy, sell, finance, or otherwise transact in any property, nor for any loss, damage, or cost arising from your reliance on any valuation, flag, risk assessment, or other output of the Service, including Söluyfirlitsgreinir.

11. Indemnity

You will defend, indemnify, and hold harmless Exerta from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your content, your use or misuse of the Service, or your breach of these Terms or applicable law.

12. Suspension; Termination; Data

We may suspend or terminate access immediately for breach, suspected abuse, legal/regulatory reasons, or risk to the Service. Upon termination, your license ends and you must cease use. We may retain logs and transaction data as required by law and for legitimate business purposes.

13. Consumer Withdrawal (EEA/IS)

Digital content is made available immediately after purchase. By clicking "Purchase" you expressly request immediate performance and acknowledge loss of the 14-day withdrawal right for digital content under applicable law (including Art. 16(m) of the Consumer Rights Directive as implemented in Iceland) once access begins.

14. Force Majeure

We are not liable for delays or failures due to events beyond reasonable control, including outages, labor disputes, acts of government, disasters, or third-party failures.

15. Governing Law; Venue; Place

These Terms are governed by Icelandic law. Exclusive venue is the District Court of Reykjavík (Héraðsdómur Reykjavíkur). Place of business and contracting city: Mosfellsbær, Iceland. The U.N. CISG does not apply.

16. Söluyfirlitsgreinir Feature

Söluyfirlitsgreinir is an optional analysis tool within the Service that allows you to upload a real-estate sales brochure or similar document for automated review and extraction of key points. By using Söluyfirlitsgreinir, you instruct us to process the uploaded document and derived data to (i) deliver the requested analysis, (ii) perform quality assurance and troubleshooting, and (iii) improve and develop this feature and related models, analytics, and user experience.

Outputs from Söluyfirlitsgreinir are generated automatically and may omit, misinterpret, or over- or under-emphasize information. They are provided for general informational purposes only and do not constitute legal, financial, tax, valuation, engineering, or real-estate brokerage advice, nor a substitute for reading the underlying document yourself or consulting qualified professionals. Any references to building condition, permits, encumbrances, defects, or similar matters are indicative only and must be verified with relevant professionals and authorities. Subject to mandatory law, Exerta assumes no responsibility or liability for any offers, bids, purchases, sales, financing decisions, or other actions or inactions you take based on Söluyfirlitsgreinir or for any direct or indirect loss, cost, or damage arising from errors, omissions, outdated information, or the way the results are displayed or interpreted.

Where appropriate and technically feasible, we apply measures to reduce or obscure identifiable information in uploaded documents before such material is used for internal testing, quality assurance, or product improvement. These measures may include automatic masking of obvious identifiers and limiting the visibility of certain content, combined with broader safeguards such as pseudonymization, aggregation, and restricted access for authorized personnel and processors. You remain responsible for ensuring that you have the right to upload any document into Söluyfirlitsgreinir and for avoiding unnecessary sharing of personal or confidential information. For further details, please see the Privacy Notice below.

Analytics, Cookies & Consent

We use a consent management platform (CookieHub) to obtain, store, and respect your choices for non-essential cookies. Analytics (e.g., Google Analytics 4) only loads after you consent to the Analytics category. You can review or change preferences anytime: Stjórna vafrakökum.

🔒 Privacy Notice

Effective Date: September 23, 2025

Company: Exerta ehf | Service: Eignar | Contact: eignar@eignar.is

We process personal data in accordance with GDPR and Icelandic law. This Notice explains what we collect, why, on what legal basis, who we share it with, retention, international transfers, your rights, and key security measures. If anything here conflicts with mandatory law, the latter prevails.

1) Data We Process

• Account/Identity: name, email, authentication identifiers, subscription status.
• Transactions: purchase history, payment references (cards processed by payment providers such as Straumur; we do not store full card data), subscription identifiers and status from subscription platforms such as Áskell.
• Usage/Device: IP address, device/browser characteristics, timestamps, pages/features used, events, error logs.
• Cookies/Consent: identifiers for preferences, security, analytics; consent signals via CookieHub.
• Support: messages, attachments, metadata.
• User-submitted content: documents/data you upload for analysis (including into features such as Söluyfirlitsgreinir), processed to provide requested features, support security and quality assurance, and, where appropriate, to monitor and improve the accuracy, robustness, and user experience of the Service in line with this Notice.

2) Purposes & Legal Bases

• Provide the Service (account, authentication, delivery of reports) — contract.
• Security/Debugging/Abuse prevention — legitimate interests; essential cookies only.
• Analytics & product improvement — consent (analytics cookies disabled until granted).
• Payments & invoicing — contract and legal obligation (tax/accounting).
• Service communications — legitimate interests; direct marketing only with consent or as permitted by law.
• Söluyfirlitsgreinir and similar tools (processing of uploaded sales brochures and related documents to deliver analysis, perform quality checks, and improve and develop these features and underlying models) — contract (to provide the requested functionality) and legitimate interests (product development, safety, and reliability), supported by safeguards such as access controls, pseudonymization or aggregation where reasonably possible, and minimization of personal data.

3) Sharing & Processors

We use vetted processors under GDPR-compliant terms, including:

• Payments: payment service providers (e.g., Straumur) for card processing and fraud screening.
• Subscriptions/Billing: subscription management platforms (e.g., Áskell) used to operate our subscription plans and invoicing.
• Hosting/DB/CDN: cloud infrastructure for running the Service.
• Analytics: Google Analytics (only after consent; configured to minimize personal data).
• Consent Management: CookieHub (records of consent).
• Email Delivery: transactional email provider.
• AI/ML Providers: optional processing to generate insights strictly on your request and, where applicable, to help us test, evaluate, and improve our models and features, subject to contractual safeguards and this Notice.

All personal information will be strictly confidential and will not be given or sold to a third party.

We do not sell personal data.

4) International Transfers

Where data is transferred outside the EEA, we rely on appropriate safeguards such as the European Commission’s Standard Contractual Clauses and supplementary measures as needed.

5) Retention

• Account/transactions: for the life of the account and up to 7 years thereafter for legal/accounting purposes.
• Analytics: per platform settings (typically up to 14 months), then aggregated or deleted.
• Support: up to 24 months after resolution unless a longer period is required by law or to resolve disputes.
• Uploaded content for analysis: processed for delivery of the requested feature and quality assurance, and then deleted or pseudonymized unless you opt to store it or ongoing use is reasonably necessary for documented security, fraud prevention, or product development and model improvement purposes. Where content is used for such longer-term improvement, we aim to do so in aggregated or pseudonymized form and to retain it only for as long as reasonably needed for those purposes, subject to legal obligations and technical feasibility of deletion.

6) Your Rights

GDPR rights include access, rectification, erasure, restriction, portability, and objection (including to processing based on legitimate interests). Where processing relies on consent, you may withdraw it at any time without affecting prior lawful processing. You may complain to Persónuvernd (Icelandic DPA).

7) Security

We apply technical and organizational measures appropriate to risk (encryption in transit, access controls, monitoring, segregation). No system is perfectly secure. We will notify authorities and affected users of data breaches when legally required.

8) Children

The Service is not intended for children under 16, and we do not knowingly collect their data.

9) Updates & Contact

We may update this Notice. The latest version applies. Contact: eignar@eignar.is. Manage cookies: Stjórna vafrakökum.

10) Cookies & Analytics Summary

• Essential: required for core operations; always active.
• Analytics: optional; only loaded after consent; events include page views, engagement, device/browser info, coarse IP-based location.
• Functional/Marketing: used only if introduced and explicitly consented to.

💰 Refund Policy

Effective Date: September 23, 2025

Company: Exerta ehf | Service: Eignar | Contact: eignar@eignar.is

1) General

Purchases provide access to digital content/services delivered electronically. Due to the instant-access nature of such content, all sales are final once access is granted or download/consumption begins, except where mandatory law requires otherwise.

2) EEA/IS Withdrawal for Digital Content

By completing purchase you expressly request immediate performance and acknowledge that you lose the 14-day withdrawal right for digital content once access starts, pursuant to applicable consumer protection law. If you do not agree, do not finalize the purchase until the withdrawal period has lapsed.

3) Subscriptions

• Cancel anytime to stop future renewals; access remains until period end.
• No refunds or credits for partial periods or unused features.
• One-time discretionary exception: within 7 days of first subscription purchase and only if no premium content/report was accessed; subject to verification.

4) One-off Reports / Credits

• Non-refundable once the report/credit is delivered, unlocked, or consumed.
• If delivery fails due to a verified technical fault on our side and we cannot remediate, we may re-deliver or refund at our discretion.

5) How to Request

Email eignar@eignar.is with your full name, registered email, transaction reference, and reason. If approved, refunds are processed to the original payment method within 7 business days.

6) Chargebacks

Initiating a chargeback without first contacting support may be treated as breach of the Terms and may result in suspension, blacklisting, and contesting the chargeback with documentation of your access/usage.

💳 Payment Page Disclosure (for checkout)

• Transaction currency: ISK
• Name shown on payment page (DBA): Eignar (Exerta ehf)
• Merchant address: Blikahöfði 2, 270 Mosfellsbær, Iceland
• Email: eignar@eignar.is
• Card scheme logos:
• Payment processing: Card payments are processed securely by Straumur and/or other appointed payment service providers. Exerta does not store full card numbers or CVC codes.

At checkout you must tick an unchecked box confirming: “I agree to the Terms & Conditions and Privacy Policy.” Payment cannot be completed unless the box is checked.