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Terms of Service

Effective date: [DATE] · Version: [2026-10-v1]

These Terms of Service ("Terms") are an agreement between you and [STOA LEGAL NAME], a [STATE] [limited liability company] with its address at [ADDRESS] ("Stoa", "we", "us"). They cover ListLit and any other Stoa app that links to them (each, the "Service").

Please read section 17 (Disputes). It says disputes go to court in New York, without a jury, and only on an individual basis, not as a class action.

1. Accepting these Terms

You accept these Terms when you create an account, sign in, or click a button next to a statement that you agree to them. If you use the Service for a company, brokerage or team, you confirm you can bind it, and "you" includes it.

You must be at least 18 and able to form a binding contract. The Service is for business use. ListLit is for licensed real estate professionals, their teams and assistants, and real estate photographers and marketers working for them.

2. Your account

  • You sign in with a third-party account (for example, Google). Keep it secure. You are responsible for activity under your account.
  • You can also sign in with Apple, or with an email address and a password. Keep your password private and don't reuse one from another site. One email address is one account, whichever way you sign in.
  • One person, one account. Do not share an account, sell it, or create extra accounts to get free offers or avoid limits or a suspension.
  • Give us accurate information and keep your contact details current, because we send billing and legal notices to the email on your account.

3. The Service

ListLit turns listing information and photos into marketing: walkthrough videos, social posts, Stories, carousels, flyers, captions and optional public listing pages. Parts of the Service use artificial intelligence, including AI video generation and AI image review.

ListLit is a marketing tool. It does not provide brokerage, legal, appraisal, MLS, or fair housing compliance services, and it is not a party to any real estate transaction.

We may change, add or remove features. If we remove a feature that is a main part of a paid plan you have already paid for, you may cancel and get a pro-rated refund of the unused prepaid time (section 8.4).

4. Your content

What "your content" means. Everything you upload, import, type or publish: photos, videos, logos, headshots, listing details, branding and text. It also includes the output the Service creates for you (section 5).

You keep ownership. You keep whatever rights you have in your content. These Terms do not transfer them to us.

The license you give us. You give Stoa a non-exclusive, worldwide, royalty-free license to host, store, copy, process, analyze, crop, resize, convert, transform (including with AI tools), display, and transmit your content, only as needed to:

  1. provide the Service to you, including features you turn on, such as publishing a listing page;
  2. keep the Service secure, prevent abuse, and fix problems; and
  3. comply with law.

We may let our service providers do these things for us under confidentiality and data protection terms (see the Privacy Policy). This license ends when you delete the content or your account, except for (a) copies in backups until they expire on their normal schedule, (b) content you published that others already downloaded or shared, which we cannot recall, and (c) anything we must keep by law or to resolve a dispute.

What we do not do. We do not use your content to advertise Stoa or ListLit without your separate permission. We do not sell your content. We do not use it to train our own AI models. Our AI video providers' own terms may allow them to use content submitted to them to train their models; the Privacy Policy explains this. Do not use our AI video features if you do not want your photos sent to those providers.

Public listing pages. If you publish a listing page, anyone with the link can see the photos, video, property details and your agent details on it, and search engines may index it. You can unpublish it at any time. We count how many times it is opened and show you the count.

Messages from your listing page. Visitors can send you their name, contact details and a message through your listing page. Use them only to reply about that home and as the law allows (for example, do-not-call and anti-spam rules), and treat them as your own client information.

5. AI features and output

What AI can and cannot do. ListLit uses AI to add camera motion to your photos and to pick and check scenes. AI video can change details of a property: lines can bend, objects can shift, textures can change, and small features can appear or disappear. ListLit instructs the model not to add furniture, people or views, checks each AI scene against your photo automatically, and uses your original photo instead when a scene does not pass. These checks can miss errors. The output is not a verified or accurate depiction of the property.

You must review before you publish. Before you share any output, compare it with your photos and the property, check facts, prices, disclosures, and your licensing and brokerage information, and make sure it complies with fair housing, MLS, brokerage and advertising rules that apply to you. Do not use output to misrepresent a property.

Disclosures. AI scenes carry labels and the end card and captions carry an AI disclosure. Do not remove, crop out or hide them. Some states and MLSs require their own disclosures for digitally altered images (for example California Business and Professions Code §10140.8). You are responsible for those.

Who owns output. As between you and us, you own the output we create for you, to the extent any rights exist in it, subject to the rights of whoever owns the photos and other material it was made from. AI-generated material may not be protected by copyright, and similar output may be generated for other users. We do not promise that output is unique or protectable.

Our providers. AI features are powered by third-party providers listed in the Privacy Policy. Output is also subject to their use policies, which prohibit, for example, sexual content, deceptive impersonation and unlawful material.

6. Photo rights and your promises

This section matters. Listing photos are usually owned by the photographer, not the agent. See our Photo Rights and Copyright Policy.

You promise (warrant) that, for all content you upload, import, publish or ask us to process:

  1. you own it or have all licenses and permissions needed for you and us to use it as these Terms describe, including to make videos and social images from it with AI tools and to publish it;
  2. your use complies with your brokerage's, MLS's and source website's rules, and with any seller consent your agreements or the law require;
  3. you have written consent from every identifiable person shown (including in headshots) to use their name and image in advertising, where the law requires it (for example New York Civil Rights Law §§50 and 51);
  4. it does not infringe or misappropriate anyone's copyright, trademark, privacy, publicity or other rights, and is not false, misleading or unlawful; and
  5. you will remove it when your permission ends.

The rights confirmation in the app is your statement, recorded with a date and time, that these promises are true for the photos you add. Importing photos from a listing link does not give you permission to use them.

7. Acceptable use

Do not use the Service to:

  • upload or publish content you do not have the rights to, or remove or alter watermarks, copyright notices or photographer credits you are not entitled to remove;
  • misrepresent a property, including adding, removing or disguising features, defects, views or surroundings, or presenting AI output as unaltered photography;
  • advertise in a way that discriminates or indicates a preference based on race, color, religion, sex, disability, familial status, national origin, or any other class protected by federal, state or local fair housing law;
  • impersonate a person, brokerage or agent, or use someone's name, license number or likeness without permission;
  • create sexual, violent, hateful or harassing content, or content involving minors;
  • break the law, including advertising, licensing, consumer protection, privacy, anti-spam and export laws;
  • access the Service with bots or scrapers, overload it, probe or bypass security or usage limits, or reverse engineer it except where the law allows;
  • create multiple accounts, use disposable or shared accounts, or use chargebacks or payment tricks to get free credits, free campaigns or refunds you are not entitled to; or
  • resell or white-label the Service without our written agreement.

8. Plans, credits, billing, renewal and refunds

8.1 Prices and plans

Current prices, what each plan includes, and credit costs are shown on the Plans page and at checkout before you pay. Prices are in U.S. dollars. Taxes are added where required.

ListLit sells:

  • Memberships, billed monthly or annually. Annual billing is paid upfront at a discount (currently 20% off twelve monthly payments). Current memberships: Listing Agent ($29 per month or $278.40 per year, 640 credits each month), Active Agent ($59 per month or $566.40 per year, 1,280 credits each month), and Top Producer ($99 per month or $950.40 per year, 2,120 credits each month).
  • One Listing pack: a one-time purchase ($29, 300 credits). It does not renew.

8.2 Credits

  • Credits are units for using ListLit. Each creation shows its credit cost before you confirm. Examples of mixes are illustrations only.
  • Membership credits are added each month on your billing date, including on annual plans (an annual plan releases its credits in twelve monthly allotments). Unused membership credits expire at the next monthly refresh and do not roll over.
  • One Listing pack credits do not expire while your account is open.
  • We use credits that expire soonest first.
  • Credits are reserved when you start a creation. If a creation fails on our side, its credits return with their original expiry date. If a result is uncertain, credits stay reserved while we check, so you are never charged twice. A new variation or regeneration uses credits again. Downloading an existing result is free.

  • Credits have no cash value, are not money, are not a gift card or stored-value product, cannot be transferred or sold, and are not refundable except as section 8.6 says. They end when your account is deleted or terminated.

8.3 Automatic renewal

Memberships renew automatically until you cancel. By starting a membership, you authorize us (through our payment processor, Stripe) to charge your payment method:

  • Monthly plans: the monthly price on the same day each month;
  • Annual plans: the annual price on the same day each year;

plus applicable taxes, until you cancel. We show these terms, the price, the billing frequency and how to cancel next to the purchase button, and we ask for your consent before you pay. After purchase we send you a confirmation that repeats them and explains how to cancel.

Receipts and reminders. We email a receipt for every charge showing the amount and how to cancel. For annual plans, we email you between 30 and 45 days before each renewal with the price, the renewal date and how to cancel. We also send every member a reminder of their renewal terms at least once a year.

Price changes. We may change the price of a membership. We will tell you by email between 14 and 30 days before the new price applies to you, with the new price, when it starts and how to cancel. The new price applies from your next renewal after the notice. If you do not cancel, you will be charged the new price. If you cancel within 14 days after your first charge at a higher price, we will refund that charge pro rata for the unused part of the period.

Changes to plan terms. If we make a material change to what a membership includes, we will tell you in advance and you may cancel.

8.4 How to cancel

You can cancel online at any time: Account → Plans & credits → Cancel membership renewal. It takes one click and a confirmation. You never need to call or chat with anyone to cancel. You can also cancel by emailing [SUPPORT EMAIL] from your account email. We confirm every cancellation on screen and by email.

When you cancel, your membership will not renew. You keep your access and your monthly credits through the end of the period you already paid for. On an annual plan, the remaining monthly credit allotments for the paid year continue to be released unless you request a refund under 8.6.

8.5 Failed payments

If a renewal payment fails, Stripe may retry it. If it still fails, your membership ends and no new credits are added. We will not charge you for a period after your membership ends.

8.6 Refunds

Our refund policy:

  1. 14-day refund on your first payment. If you are a new member and you have not used any credits from your first paid period, you can get a full refund within 14 days of your first payment.
  2. Annual plans: pro-rated refund on request. If you cancel an annual plan, you can ask within [30] days of cancelling for a refund of the full months remaining in your paid year, less the value of any credits you used beyond the months that have passed, calculated at the monthly price.
  3. Our mistakes. If we charge you in error, charge you twice, or charge you after you cancelled, we refund it.
  4. Service failure. If the Service is unavailable or a paid creation fails for reasons on our side and we cannot fix it, we return the credits, and if that does not make it right, we refund the affected payment in part or in full.
  5. Otherwise, monthly membership payments and One Listing packs are non-refundable once the period has started or the pack has been used, except where the law requires otherwise.

To request a refund, email [SUPPORT EMAIL]. Refunds go to the original payment method, normally within 5 to 10 business days after we approve them. If you dispute a charge with your bank instead of contacting us, we may suspend the account while the dispute is open.

8.7 Founding offer

If you join as one of the first 1,000 paying members before the end of December 31, 2026 (New York time), while we show the Founding offer, your membership price will not increase for as long as your membership stays active without a gap. If you cancel and it ends, or you change plans, the founding price ends. The founding offer covers the price only; plan contents and credit costs can still change under 8.3.

8.8 Free first campaign

We may offer a free first campaign. It is limited to one per person and one per Google account, ever. It is not available to anyone who has had it before, including on an account that was later deleted. To enforce this, we keep a minimal record of the Google account identifier and email address of accounts that claimed it, even after deletion (see the Privacy Policy). Creating another account to get another free campaign is a breach of these Terms, and we may cancel the free campaign or any account used for it. The free campaign has no cash value and cannot be exchanged for credits or money.

8.9 Taxes

Prices do not include taxes unless stated. We collect sales tax where required.

9. Team and brokerage plans

Team and Brokerage prices shown in the app are previews. Seat counts are quotes only and do not create a subscription until we both sign an order form.

10. Third-party services

The Service relies on services we do not control, including sign-in (Google), payments (Stripe), cloud hosting (Cloudflare), AI providers and the websites you import from. Their terms apply to your use of them. We are not responsible for them, but we choose them carefully.

11. Suspension and termination

You can delete your account at any time in Account. Deletion is permanent. Resolve active memberships (cancel renewal and let the paid period end) and finish processing jobs first. Deleting your account deletes your saved work and unused credits. A Google account used for a deleted ListLit account cannot be used to open a new ListLit account.

We may suspend or end your access, or remove content, if you breach these Terms, if we must to comply with law or protect people or the Service, if your payment fails, or if you receive valid copyright complaints. We follow our repeat infringer policy (three valid, uncontested strikes in twelve months, or sooner for clear or willful infringement). Where reasonable, we will tell you why and give you a chance to fix the problem first. If we end your paid membership without cause, we refund the unused prepaid time. If we end it because you breached these Terms, we do not.

We may end the Service with at least 30 days' notice, and refund unused prepaid time.

Sections that by their nature should survive (for example 4 to 6, 8.6, 12 to 18) survive termination.

12. Our intellectual property

The Service, including its software, templates, designs, and the Stoa and ListLit names and logos, belongs to Stoa or its licensors. We give you a limited, non-exclusive, non-transferable right to use the Service under these Terms. Templates and design elements built into your output may be used with that output. If you send us feedback, we may use it without obligation to you.

13. Copyright complaints

We respond to notices of alleged infringement under the Digital Millennium Copyright Act. See the Photo Rights and Copyright Policy for how to send a notice or counter-notice, and our designated agent's contact details.

14. Disclaimers

THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT THE LAW ALLOWS, STOA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT OUTPUT WILL BE ACCURATE, FAITHFUL TO THE PROPERTY, UNIQUE, OR COMPLIANT WITH ANY LAW, MLS OR BROKERAGE RULE, OR THAT IT WILL PRODUCE LEADS, SALES OR ENGAGEMENT. YOU ARE RESPONSIBLE FOR REVIEWING OUTPUT BEFORE YOU USE IT.

Some jurisdictions do not allow some of these disclaimers, so some may not apply to you.

15. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS:

  1. STOA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COMMISSIONS, LOST DEALS, LOST DATA OR DAMAGE TO REPUTATION, EVEN IF WE WERE TOLD THEY WERE POSSIBLE; AND
  2. STOA'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT THAT GAVE RISE TO THE CLAIM, OR (B) $100.

These limits do not apply to liability that cannot be limited by law, including for fraud, gross negligence or willful misconduct, or to our refund obligations under section 8.

16. Indemnity

You will defend, indemnify and hold harmless Stoa and its owners, employees and contractors from and against all claims, losses, damages, fines, penalties, and costs (including reasonable attorneys' fees) arising from:

  1. your content, including any claim that photos, headshots, logos or other material you uploaded, imported or published, or output made from them at your request, infringe copyright (including claims under 17 U.S.C. §1202 relating to watermarks or credits in material you provided), trademark, privacy or publicity rights;
  2. your advertising and your real estate activity, including claims under fair housing, advertising, licensing or consumer protection laws, and MLS or brokerage fines;
  3. your breach of these Terms or of law.

We will tell you promptly about a claim, let you control the defense with counsel reasonably acceptable to us, and cooperate at your expense. You may not settle a claim that admits fault for us or binds us without our written consent. We may join with our own counsel at our own cost.

17. Disputes

17.1 Talk to us first. Before filing a claim, email [LEGAL EMAIL] with a description and what you want. We will try to resolve it within 30 days.

17.2 Governing law. New York law governs these Terms and any dispute, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs section 17.5 if it applies.

17.3 Where. Claims must be brought in the state courts located in [New York County / Westchester County], New York, or the U.S. District Court for the [Southern] District of New York, and you and we consent to their jurisdiction. Either of us may bring an individual claim in small claims court where you live or where we are located if it qualifies.

17.4 Jury waiver and class waiver. TO THE EXTENT THE LAW ALLOWS, YOU AND STOA EACH WAIVE THE RIGHT TO A JURY TRIAL, AND EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING.

17.5 [ALTERNATIVE, not recommended at launch: arbitration.]

17.6 Time limit. Any claim must be filed within one year after it arose, unless the law requires a longer period.

18. General

  • Changes to these Terms. We may update these Terms. We will post the new version with a new effective date. If a change materially affects your rights, we will tell you by email or in the app at least 15 days before it applies (except changes required by law or for security, which may apply sooner). If you keep using the Service after the change applies, you accept it; if you do not agree, cancel and stop using the Service, and for a material adverse change to a paid plan we will refund unused prepaid time. Changes do not apply to disputes that arose before the change.
  • Entire agreement. These Terms, the Privacy Policy, the Photo Rights and Copyright Policy and any order form are the whole agreement between us about the Service.
  • Assignment. You may not transfer these Terms without our consent. We may transfer them in a merger, acquisition or sale of assets, or to an affiliate, with notice to you.
  • No waiver; severability. If we do not enforce a term, we have not waived it. If a term is unenforceable, the rest stays in effect and the term is enforced to the extent possible.
  • Force majeure. We are not liable for delays or failures caused by events outside our reasonable control, including provider outages.
  • Notices. We send notices to your account email. You send notices to [LEGAL EMAIL] or [ADDRESS].
  • Export and sanctions. You may not use the Service if you are in a sanctioned country or on a U.S. restricted-party list.
  • Relationship. We are independent contractors. Nothing here creates a partnership, agency or employment relationship.

19. Contact

[STOA LEGAL NAME] [ADDRESS] Support and billing: [SUPPORT EMAIL] Legal notices: [LEGAL EMAIL] Copyright agent: see the Photo Rights and Copyright Policy