Legal
Terms of Service
Effective date: August 18, 2026
These Terms of Service (the “Terms”) govern your access to and use of the Besmi software platform available at besmi.io and related subdomains (the “Service”), operated by Besmi (“Besmi,” “we,” “our,” or “us”). By accessing or using the Service, you agree to be bound by these Terms.
1. Who can use Besmi
You may use the Service only if you are at least 18 years old and capable of entering into a binding agreement. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and references to “you” mean both you individually and the organization.
2. Your account
You are responsible for safeguarding the credentials used to access your account and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use of your account or any other security incident you become aware of.
If your account is provisioned to you by an organization (for example, an employer or a business that subscribes to the Service), the organization may control your access, the information visible to you, and the actions you can take within the workspace. You should direct workspace-level questions to your organization in the first instance.
3. Acceptable use
You agree not to use the Service to:
- send communications without the consent required by applicable law (including the Telephone Consumer Protection Act, the CAN-SPAM Act, and any equivalent laws in your jurisdiction);
- send unlawful, harassing, defamatory, fraudulent, or deceptive content;
- send content related to prohibited categories under carrier and CTIA guidelines (including high-cost short-term lending, cannabis, firearms, gambling, or adult content) without the additional registrations those categories require;
- attempt to gain unauthorized access to the Service, other accounts, or any system or network connected to the Service;
- reverse engineer, decompile, or copy the Service except to the extent expressly permitted by applicable law;
- use the Service to build a competing product or service;
- interfere with or disrupt the integrity, performance, or security of the Service.
We may suspend or terminate your access if we reasonably believe you have violated these provisions, and we may cooperate with law enforcement where required by law.
4. Subscription, fees, and billing
Access to the Service may be provided under a paid subscription. If you have a paid subscription, fees are billed in advance according to the plan you select, are non-refundable except as expressly required by law or described in your order form, and may change with notice. Telephony and messaging usage charged at cost plus a markup may be billed in addition to subscription fees. Failure to pay may result in suspension or termination of access. Subscription fees may be paused, and annual terms frozen, under the Besmi 90-Day Guarantee described in Section 5. The Guarantee does not provide for refunds.
5. The Besmi 90-Day Guarantee
Work the product — do your drills, take your lessons, work your pipeline — and if you don’t close at least one deal in your first 90 paid days, Besmi is free until you do. Your billing pauses (annual terms freeze) and the product keeps working for you at no charge until your first deal closes. Usage-based charges still meter, and the free period continues as long as you keep putting in the reps.
This section states the complete conditions. The Guarantee is a conditional pause on subscription billing. It is not a refund, and it is not a promise that you will close any particular deal, or any deal at all.
5.1 The 90-day window
Your window is the 90 calendar days beginning on your first paid day. If you started on a design-partner or other pre-paid test period, the window begins on the date you convert to a paid subscription, not the date you first used the Service.
5.2 What counts as a qualifying deal
The Guarantee is satisfied — and billing continues normally — if at least one qualifying deal closes during your window. A qualifying deal is any deal that closes during the window; it is not measured against a prior period, a forecast, or any baseline.
| Your vertical | A qualifying deal is | Counted on |
|---|---|---|
| Mortgage | One funded loan (the loan disburses) | Funding date |
| Real estate | One closed transaction side — listing side or buyer side | Settlement or closing date |
| Insurance | One bound policy that takes effect | Policy effective date |
Deals that are pending, under contract, in application, or quoted but not bound do not count until they fund, close, or take effect. A single transaction counts as one qualifying deal unless you were the agent of record on two distinct sides.
If your account has more than one seat, the Guarantee applies per seat. Each seat is measured on its own deals and its own activity. A closing by one member of your team does not affect another seat’s Guarantee.
5.3 The activity conditions
The Guarantee is available only if, during your 90-day window, the seat met all three of the following:
| Condition | Required during the 90-day window |
|---|---|
| Realtime coaching drills completed | At least 8 |
| Learn lessons completed | At least 4 |
| Pipeline actively worked | At least one logged activity per week, in at least 8 of the 13 weeks |
A “logged activity” is any pipeline touch recorded in the Service during that week — a logged call, an opportunity created or updated, a milestone reached, a referral recorded, or a deal marked funded.
We show your progress against every one of these conditions inside the product, in Settings → Billing, for the whole window. You will never learn at day 90 that you fell short of something you couldn’t see.
5.4 What happens at day 90
If a qualifying deal closed during your window, the Guarantee is satisfied and billing continues normally. There is nothing to file and nothing to claim.
If no qualifying deal closed and the activity conditions in Section 5.3 were met, your free period begins automatically on day 91. There is no claim form, no deadline, and no way to forfeit it by missing a window. We will ask you to confirm your deal status in the product at day 90; if we don’t hear from you, our own records govern.
- Monthly plans. Subscription billing pauses. It resumes on the first billing cycle after your first qualifying deal closes.
- Annual plans. Your prepaid term freezes at day 90. Prepaid months do not burn during the free period, and your term end date extends by the length of the free period. There is no refund and no proration.
If the activity conditions were not met, billing continues normally.
5.5 What the free period covers
The free period covers subscription fees only. Usage-based and metered charges — including telephony, messaging, and usage above your plan’s included allotment — are consumption and remain billable during a free period at the rates then in effect.
5.6 Staying in the free period
The free period continues for as long as you keep working the product. Measured on a rolling basis, the seat must maintain:
| Condition | Required during the free period |
|---|---|
| Realtime coaching drills completed | At least 2 in any trailing 30 days |
| Learn lessons completed | At least 1 in any trailing 30 days |
| Pipeline actively worked | At least one logged activity per week, in 3 of any 4 weeks |
If activity lapses, we will notify you in the product and by email and give you 14 days to resume before the free period ends and billing restarts. We do not end free periods silently.
5.7 How we verify
Our own records come first. We look at the deals recorded in Besmi — including deals written by your connected systems — and their stage history. We will not ask you to produce borrower files, loan files, or client documents to establish that you did or did not close a deal.
Where the record is genuinely ambiguous, we resolve it in your favor.
Materially misstating your deal status to obtain or extend a free period is a breach of these Terms. If that happens, we may end the free period going forward. We will not bill you retroactively for a free period already granted.
5.8 Changes, cancellation, and scope
- Plan changes. You may change plans during the window. The window and the conditions follow the seat, not the plan tier. A free period pauses the fee of the plan the seat is on when the free period begins.
- Cancellation during the window. Service ends according to the normal cancellation terms. The Guarantee is a pause on an active subscription, so there is nothing for it to attach to and nothing is forfeited.
- Cancellation during a free period. You may cancel at any time; the free period ends with the account.
- Design-partner and other test periods. No Guarantee applies during a design-partner or evaluation period. The Guarantee attaches when you convert to a paid subscription, on your first paid day.
- No refunds. No refund is issued under this Guarantee. Nothing in this section limits any right you have under applicable law, or Besmi’s separate policies for billing errors.
6. Customer Data and confidentiality
Information you or your organization provides to the Service, including records about your contacts, prospects, and clients (collectively “Customer Data”), belongs to your organization. We process Customer Data on your organization’s behalf to provide the Service, in accordance with our Privacy Policy at besmi.io/privacy. You represent that you have the necessary rights and consents to provide Customer Data to the Service and to allow us to process it as contemplated by these Terms.
7. SMS communications
If you use the Service to send text messages to recipients, you are responsible for obtaining all consents required by law before sending. The Service includes tools for honoring opt-out requests (STOP keyword and equivalents); you agree not to circumvent or disable those tools.
Besmi may send text messages to your mobile phone number for account-related purposes (verification codes, security alerts, transactional notifications) when you have provided your number and consented. Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP. See our Privacy Policy for additional SMS terms.
8. Intellectual property
The Service, including all software, content, designs, trademarks, and other intellectual property associated with it (other than Customer Data), is owned by Besmi or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service consistent with these Terms. No other rights are granted by implication, estoppel, or otherwise.
If you submit feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.
9. Third-party services
The Service may integrate with third-party services (such as telephony providers, email providers, CRM systems, and other tools) you choose to connect. Your use of those third-party services is governed by their own terms and privacy policies. We are not responsible for third-party services or for any issues arising from their availability or behavior.
10. Disclaimer of warranties
THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, BESMI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.
11. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, BESMI WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
BESMI’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS.
12. Indemnification
You agree to defend, indemnify, and hold harmless Besmi and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of the rights of any third party (including any rights of recipients of communications you send through the Service).
13. Termination
We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, if we reasonably believe you have violated these Terms or if continued provision of the Service to you presents legal, regulatory, or operational risk. You may stop using the Service at any time. Sections of these Terms that by their nature should survive termination will survive (including Sections 6, 8, 10, 11, 12, 14, and 15).
14. Governing law and dispute resolution
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising out of or related to these Terms or the Service that cannot be resolved through good-faith negotiation will be brought exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of those courts.
15. Changes to these terms
We may update these Terms from time to time. When we do, we will revise the “Effective date” at the top of this page and, for material changes, notify users through the Service or by email. Your continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.
16. Contact us
Questions about these Terms can be directed to:
Besmi
Email: armando@besmi.io