Terms of service.

1. Agreeing to these Terms

These Terms of Service (“Terms”) are an agreement between you and Cadento, LLC (“Cadento,” “we,” “us”). They cover the Cadento app, this website and the email campaigns we run for customers (together, the “service”).

By using the service, signing in or paying for a campaign, you agree to these Terms. If you use Cadento for a company, brokerage or team, you agree to them for it as well, and you confirm you have the authority to do so. If you don’t agree, don’t use the service.

Our Privacy policy explains how we handle information, including your contacts’ information.

2. What Cadento does

Cadento writes personal emails for real estate agents and loan officers to send, from their own Gmail or Outlook, to people who already know them or expect to hear from them: past clients, warm leads and referrals. We offer it in two ways:

• Done-for-you campaigns. You send us your list, or upload it yourself. We clean it, write each person’s emails in your voice, check them with Compliance Mode, and send each one from your inbox after you approve it. Cadento staff set up and run the campaign in your account.
• The Cadento app. Some customers also use Cadento’s software directly, for example its daily drafts, CRM imports and send queue.

We may add, change or remove features over time.

3. Campaigns

• Length. A campaign runs for two months from its start date and then ends by itself. Nothing renews.
• Size. Each package covers up to a set number of contacts, counted after cleanup, so duplicates and the addresses we remove don’t count. Your package and its limit are on your invoice or payment link and on our pricing page.
• Emails. Each person gets up to 5 emails, spaced apart. Some get fewer, for example because they reply, opt out or bounce, because you hold an email back, or because of the daily sending limits that protect your mailbox.
• What we need from you. Before your campaign starts, you connect your Gmail or Outlook, give us your business mailing address and the details your emails must carry (such as your brokerage name, or your NMLS ID and your company’s), and share a few emails you’ve written. Before you can approve any email, you confirm in your account who the people on your list are and why they expect to hear from you.
• Your approval. Nothing in a campaign sends until you approve it. You can read, edit or hold back any email, and stop emails to any person, at any time.
• At the end. Unsent emails are canceled. You can download a summary and your list with each person’s outcome. Replies stay in your inbox.

4. Fees and payment

• One flat fee. Each campaign has one flat fee for the work: cleaning your list, deciding who to write to first, writing and checking the emails, and sending them. The fee is set by your package, which is based on the size of your list.
• Two payments. We bill the fee in two equal payments through our payment processor, Stripe, by invoice or payment link. The first is due before your campaign starts, and we start it once that payment is made. The second is due one month after the campaign starts. If the second payment isn’t made when it’s due, we may pause sending until it is.
• Never tied to results. The fee doesn’t depend on replies, meetings, listings, sales, loans or closings. We never charge per closing or per loan, we never take a share of any deal, and we never change a fee because of your results.
• Nothing renews. A campaign is a one-time purchase. When it ends, nothing is charged again unless you buy another campaign.
• No refunds. Campaign payments aren’t refundable once made, except where the law requires otherwise. This never depends on replies, listings, sales, loans or closings.

5. Your account

• You must be at least 18 and able to enter into a binding contract.
• Keep your account information accurate, including your business details, and keep your sign-in secure.
• You’re responsible for activity under your account, including by anyone you give access to it.
• For a done-for-you campaign, you ask us to work in your account: Cadento staff import your list and set up and run your campaign there, as our Privacy policy describes.

6. Your list and your data

• It’s yours. Your list, your emails and the replies you get belong to you. We don’t claim ownership of them.
• Our permission to use it. You give us permission to use your list and your information to provide the service to you: to import and clean your list, draft and check emails, send the emails you approve, stop emails when someone replies or opts out, keep the records our Privacy policy describes, and support you.
• How we use it. We use your contacts’ information only to run your campaign and the Cadento features you use. We never sell it, and we never use it to market anyone else.
• Your right to share it. You confirm you have the right to give us your list. If your employer, brokerage or company owns your client list, or must approve outside vendors, you’re responsible for getting its permission first.
• Records. We keep a copy of every email Cadento sends from your account for at least 24 months, and you can download it. That doesn’t replace any record keeping your license or your employer requires of you.

7. Your responsibilities as the sender

Every email goes out from your own email account, in your name. You are the sender, and you are responsible for:

• A lawful basis to email everyone on your list. Every person on a campaign list must be someone you have an existing relationship with, such as a past client or a warm lead, or someone who asked or expects to hear from you, such as a referral. You confirm this when you send or import a list, and again in your account before you approve any email. If you connect Gmail, Cadento sends only to contacts marked in Cadento as an existing relationship or as having opted in.
• The emails you approve. Read each email before you approve it. Once you approve an email, it is your message.
• Licensing and disclosures. Your licenses, and the names, license numbers, NMLS IDs, Equal Housing statement, state wording and other disclosures your emails need, are your responsibility. Keep the details you give us accurate and current.
• Honoring opt-outs. Cadento records opt-outs from the unsubscribe link by itself, and on Outlook it detects most “unsubscribe” replies. On Gmail, Cadento can’t see replies, so when someone asks to stop, writes back, or an email bounces, record it in Cadento the same day. The law gives you a limited time to honor an opt-out (10 business days under the CAN-SPAM Act). Also record requests that reach you another way, such as by phone.
• The rules of your employer and your regulators, including any vendor approval, record keeping and supervisory review they require.
• Answering replies. Replies come to your inbox, and they’re yours to answer.

8. Compliance Mode is not legal advice

Compliance Mode checks each campaign email before it can send. Every one needs an opt-out, your business mailing address and a subject line with no fake “Re:” and no false urgency. For real estate agents, it requires your brokerage name, prints your license number once you add it in Settings, and won’t let an email go out with financing terms, such as monthly payments or down payments. For loan officers, it requires your NMLS IDs and the Equal Housing statement, and won’t let an email go out that quotes an interest rate, a payment or a loan term. These checks use the details you give us and cover common federal and state requirements.

They are not legal advice. They don’t guarantee that any email complies with the law, and they don’t replace review by your broker, your compliance team or your lawyer. Cadento and its staff don’t give legal advice.

9. Acceptable use

Campaign lists. A campaign list may include only people who know you or expect to hear from you, as section 7 describes. Don’t send us or upload purchased, rented, borrowed or scraped lists for a campaign, or anyone who doesn’t know you and isn’t expecting to hear from you.

When you use any part of the service, you agree not to:

• send unlawful, deceptive, harassing or misleading email, or email that breaks the CAN-SPAM Act or other anti-spam, privacy or advertising laws;
• use misleading subject lines or content, such as a fake “Re:” or a false deadline;
• impersonate anyone, or use the service to infringe anyone’s rights;
• work around Cadento’s sending limits, checks or unsubscribe list;
• interfere with, disrupt or reverse engineer the service, or try to reach another customer’s data;
• use Cadento in a way that breaks Google’s or Microsoft’s rules for apps that connect to their email services.

10. Connected accounts and other services

Cadento works with services run by others, such as Google (Gmail), Microsoft (Outlook), your CRM, our AI provider and our payment processor. Your use of those services is subject to their own terms, and we’re not responsible for them. How Cadento handles data from Google and Microsoft is described in our Privacy policy.

If you disconnect your mailbox, or its connection stops working, Cadento can’t send your emails until you reconnect it, and your campaign may pause. A campaign’s two months keep running while it’s paused.

11. No guaranteed results

We don’t promise replies, meetings, referrals, listings, sales, loans, closings or any other result. The fee pays for the work described in section 4, whatever happens after the emails go out. We also can’t guarantee that every email is delivered, that no mail provider filters it, or that every reply, opt-out or bounce is detected.

12. Disclaimers

The service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. We don’t warrant that the service will be uninterrupted or error free.

13. Limitation of liability

To the fullest extent the law permits, Cadento will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill. Our total liability for any claim relating to the service will not exceed the amount you paid us for the service in the twelve months before the claim. Some laws don’t allow some of these limits; where that’s the case, they apply as far as the law allows.

14. Indemnification

You agree to indemnify and hold Cadento harmless from claims arising out of your use of the service, your list, the emails you approve, your licensing and disclosures, or your violation of these Terms or the law.

15. Pausing, ending and termination

• Automatic pauses. Cadento pauses a campaign by itself when its emails can’t go out for a reason you can fix, such as a disconnected mailbox or a missing required detail, or when too many of its first emails bounce. You can resume it once the problem is fixed.
• When we may step in. We may pause or end a campaign, or suspend or close an account, if you break these Terms, if we believe a list includes people you have no basis to email, if your emails draw complaints, or if continuing would create legal risk or harm for you, the people you email, us or our providers. Where we reasonably can, we’ll tell you why first.
• What you can do. You can hold back any email, stop emails to any person, and ask us to end your campaign at any time. You can stop using the service and ask us to close your account at any time.
• What happens next. When a campaign ends, its unsent emails are canceled. When an account closes, your right to use the service ends, and we handle your information as our Privacy policy describes. Sections that by their nature should survive, including fees owed, your responsibilities, disclaimers, the limitation of liability, indemnification and governing law, survive.

16. Changes

We may update these Terms from time to time. If we make material changes, we’ll post the new effective date here and, where appropriate, tell you by email or in the app. Your continued use of the service after changes take effect means you accept the updated Terms. This version replaces the Terms effective August 4, 2026.

17. Governing law

These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws rules. The state and federal courts located in Michigan will have exclusive jurisdiction over any dispute that is not otherwise resolved.

18. General terms

• Whole agreement. These Terms, our Privacy policy and your campaign’s invoice or payment link are the whole agreement about the service. If you and Cadento sign a separate written agreement, it controls where it conflicts with these Terms.
• Severability. If any part of these Terms can’t be enforced, the rest stays in effect.
• No waiver. If we don’t enforce a part of these Terms right away, we haven’t given up the right to enforce it later.
• Transfer. You may not transfer this agreement without our written consent. We may transfer it as part of a merger, acquisition or sale of assets.
• Notices. We may send notices to the email address on your account. You can send notices to support@cadento.ai.

19. Contact us

Questions about these Terms: support@cadento.ai, Cadento, LLC.