1. Who we are and what these terms cover

Lofrio ("Lofrio", "we", "us"), operated by Lofrio Enterprises Inc. (100 King St W, Toronto, ON M5H 1H1, Canada), is a software platform for real estate media companies, such as photographers, videographers and their teams.

These terms cover three groups of people:

The company: the real estate media business that signs up for Lofrio and pays for it. The company's owner, admins and team members ("staff") use the staff app at app.<domain>.
Customers: the company's own clients, usually real estate agents, brokerages and their teams. They use the company's customer site at <slug>.<domain>, or at the company's own custom subdomain, to book, pay, download media and use AI tools.
Other people: people who appear in or interact with the content, for example an agent's client who gives consent for a testimonial, or a visitor who signs in at an open house.

Lofrio provides the tools. The company runs its own business on Lofrio. It sets its own prices, products, terms and policies for its customers, and it is responsible for its relationship with them (see section 4).

By creating an account, or by using Lofrio on behalf of a company, you agree to these terms. If you use Lofrio for a company, you confirm that you are allowed to accept these terms for it.

You must be 18 or older to use Lofrio. Lofrio is for business use only. It is for companies and their staff, and agents use it through a company.

2. What Lofrio does

Lofrio gives a company, in one place:

Staff admin: products and pricing, packages, booking and order forms, orders, scheduling and calendar, team roles and permissions, payroll (including mileage and tips), reports and settings.
Customer site and portal: public order forms, customer sign-in, the customer's orders, invoices, credit, uploads, revisions, reviews and the company's AI tools.
Payments: invoices, deposits, tips, refunds and customer credit. Card payments run through the company's own connected Stripe account.
Delivery: delivery galleries with download sizes, a delivery terms gate, locked previews until payment, and earlier versions of edited photos.
AI photo work: AI photo editing, enhancement, virtual staging, twilight and other AI tools, used by staff and, where the company allows it, by customers.
AI video: listing videos and reels made from photos, camera moves, effects, music (including music made to fit a video's length) and the Timeline editor.
On Camera videos: videos of an agent made from their own digital twin (face and voice), such as Agent intro, Advisor and Social reel with the agent, plus Testimonial and Interview videos made with each person's consent.
Marketing: the marketing kit (design templates and social reels), property websites, open house sign-in pages and reviews.
Groups and offers: brokerage groups, group prices, join codes, brokerage co-pay and coupons.
Revisions: customer revision requests, worked on by the company.
Integrations, public API and MCP: connections to outside services the company chooses, and API keys the company creates.

Features differ by plan. Some features are still being built or are marked "Coming soon". We may add, change or remove features over time (see section 15).

3. Accounts and access

The company's owner controls the company account. The owner and admins invite and remove team members and set their roles. Only the owner can make or remove admins. To move a company to a new owner (for example when the business is sold or the owner leaves), contact support@lofrio.com. Lofrio moves it by hand after checking proof that the request is genuine.
Staff and customers must keep their sign-in details safe and tell the company (or us) at once if they think their account is misused.
Customers sign in with an email code or with Google. Phone (SMS) sign-in is not offered.
One person can be a customer of several companies. Each company sees only its own relationship with that person.
The company is responsible for everything done under its account by its staff, and by anyone it gives API keys or access to.

4. The company's responsibilities to its customers

The company, not Lofrio, is the seller to its customers. The company:

Sets its own prices and terms. Product prices, AI tool prices, revision rounds, deposits, cancellation and rescheduling rules, usage rights and refund policies are the company's own. The company must publish its own Terms and Privacy policy for its customers. Lofrio gives the company editors for these and shows them on the company's customer site.
Must not promise refunds Lofrio does not give. Credits Lofrio has charged the company for AI work are not refunded after the work is made (see section 6). If the company chooses to refund its customer, that refund is at the company's own cost. The company must not tell customers that Lofrio will refund anything.
Must tell customers how AI tools are charged. Customers pay the company's price when they press Keep, by customer credit or on an invoice. Customers who Discard before Keep pay nothing.
Handles its own payments, refunds, disputes and taxes. The company is the merchant of record for its customers' payments. Refunds, chargebacks and disputes are between the company and its customer.
Gets the rights it needs. The company must have the right to use every photo, video, logo, music file, text and likeness it uploads or creates, and must get any consent needed from property owners, occupants and anyone shown.
Follows the law that applies to its business, including privacy, marketing, consumer protection, real estate advertising and MLS rules.
Handles its customers' requests about their data, deliveries, revisions and complaints. Lofrio may help, but the company is the first point of contact.
Keeps "Powered by Lofrio" on customer pages. It is always shown on customer-facing pages. It is shown on every plan. It may be hidden only under a custom enterprise agreement with Lofrio.

5. Credits, plans and paying Lofrio

5.1 Plans

Lofrio has a Free plan and paid plans. Plan prices, included credits, seats and limits are shown on our pricing page and in Settings › Plan & billing. They come from our admin panel and may change (see section 15).
There are no free trials of paid plans. Every company starts on Free.
The Free plan includes 10 credits a month, 1 seat, 1 listing and 10 processed photos. Outputs are watermarked and some tools are locked. Free plan credits are topped up to 10 each month. They are not added on top of what is left.

5.2 Credits

Credits pay for AI work. Each AI task has a credit cost, shown before the work starts wherever we can.
Credits come from the plan, from credit packs the company buys, from referral rewards and from promotions.
Plan credits roll over while the plan is active.
Purchased credits never expire.
Credits have no cash value, cannot be sold or transferred, and are not refunded as money.
Pay-as-you-go beyond the credit balance is not offered at launch. It may be added later, with notice.

5.3 Billing for plans

Paid plans are billed monthly in advance, through Stripe.
Upgrades take effect at once and are prorated. Downgrades take effect at the end of the current period.
Taxes are added where they apply.
If a payment fails, we retry it on days 1, 3, 5 and 7 and tell the owner. There is a 7-day grace period, and we send a warning 2 days before it ends. After the grace period, AI work that needs more credits than the balance may be blocked. If payment still fails, the plan moves to Free.
Paid plan fees are not refunded for part of a period.

5.4 Platform referrals

A company can refer another media company to Lofrio. Rewards are credit in the referrer's Lofrio account only, never cash.
A reward is granted only after the referred company's second successful Lofrio charge. It stays pending until then. Self-referrals do not count. Rewards can be reversed for abuse, refunds or chargebacks. A milestone bonus is taken back if the counted referrals drop below that milestone.

6. AI work: charges, Keep and Discard, and refunds

This section is important. Please read it carefully.

6.1 What costs credits

AI work uses the company's credits (or other agreed charges) once it is made. This includes:

AI photo edits and enhancements, virtual staging, twilight and other AI photo tools
AI video clips, including each re-make of a changed clip
Video effects, where an effect has a price. Some effects may cost extra credits. The price is shown before you make it.
Music made to fit a video
On Camera videos (Agent intro, Advisor, Social reel with the agent, Testimonial, Interview), priced at what the video engine charges, by quality, resolution and length. The price is shown before the video is made.
AI edits customers make with the company's AI tools

These things are free: HDR merge, crop, room tagging, Pins & lines, the service advisor on order forms and the guide on the delivery page. Finished photos uploaded as "edited elsewhere" skip AI and use no credits.

6.2 No refunds once AI work is made

Finished AI work is not refunded. Once a clip, video, music track, On Camera video or AI edit has been made, the credits or charges for it are spent. They are not refunded if the work is later discarded, deleted, replaced or not used, and not refunded if someone simply does not like the result.
Charged or kept videos are never refunded after they are discarded or deleted.
Re-making a clip, trying a different option or making another version is a new piece of AI work and is charged again.
Failed work is refunded automatically. If a generation fails or does not finish (for example a clip, music track or edit that errors or gets stuck), its credits are returned to the company's balance automatically. A failed customer edit is never charged to the customer. "Try again" after a failure is free.

6.3 Customers and Keep / Discard

When a company lets its customers (agents) make AI work themselves in the portal:

The company's credits pay for making it, as soon as it is made.
The customer sees the result first. They pay the company's price in dollars (or other currency) only when they press Keep. They pay from their customer credit, or on a small invoice.
If the customer presses Discard before Keep, the customer pays nothing, but the company's credits stay spent. Lofrio does not refund them.
After a customer has pressed Keep, the customer's charge is between the customer and the company. Lofrio does not refund it. If the company decides to refund its customer, the company pays for that refund itself.
Until it is kept, a video the customer made stays hidden from the gallery and the property website. A kept AI edit replaces the photo in the gallery, and earlier versions can still be downloaded.
To limit the company's cost, the number of open (made but not kept) tries can be capped. The company chooses, per tool, whether customers can do it themselves, ask the company to do it, or not use it at all. If the company runs out of credits, customer AI tools pause.

6.4 AI videos are never made automatically

Every AI video is started by a person who chooses the photos, the camera move for each photo and the settings. Lofrio does not make AI videos on its own, for example on delivery. This way, nobody pays for a video they did not ask for.

6.5 AI results

AI results can be imperfect or vary between tries. They may contain mistakes, odd details or changes that were not asked for. The company must review AI results before delivering or publishing them. Virtually staged or AI-changed photos should be disclosed where the law or the MLS requires it. Lofrio gives no guarantee about the quality of any single AI result. Failed work is refunded as described above.

AI work is processed by AI providers on our behalf (see section 10).

7. Consent, likeness and On Camera videos

On Camera videos use real people's faces and voices. These rules are strict, and breaking them can end an account (see section 13).

7.1 The agent's twin

A twin is set up once, by the agent themselves, in the customer portal: three framed photos, a short recording of their own voice, and their own recorded consent.
Only the person can set up their own twin. Nobody, including company staff, may set up a twin for someone else, or use someone else's photos or voice.
The agent agrees to this text (shown word for word): > "This is me. I agree that [company] and Lofrio may use my likeness and voice to make videos for my own marketing. I can delete this at any time, which removes it everywhere."
We keep a record of the consent: the exact text shown, a fingerprint of that text, the person's name and email, the time, IP address, country and browser.
A twin is used only to make videos for that agent's own marketing, through the company they set it up with.
Twin photos and voice recordings are stored privately. They are never public and are shared with an AI provider only through short-lived links when a video is made.

7.2 Deleting a twin

The agent can delete their twin at any time from the portal ("Delete my twin").
When they do, the twin's photos and voice files are deleted from our storage right away, and the AI provider is asked to delete its copy too.
The consent record is kept as proof of what was agreed and when. It is kept as long as the law requires or as needed to resolve disputes (see section 10.7).
Any remaining twin data, including backups, is removed within 30 days.
Videos already made and kept before the deletion stay with the agent. Deleting a twin removes the twin (photos and voice) so no new videos can be made from it; it does not delete videos already made.

7.3 Testimonial and Interview videos

A Testimonial or Interview is made only after each person in it agrees on their own consent page. The agent sends each person a link (by email or as a link to share).
The consent page shows exactly what will be used: the person's words (or their interview answers) and their photo. The person chooses I agree or No thanks.
Nothing is made unless they agree. For an Interview, the video waits until every person in it has agreed.
Each answer is recorded like a signature: the exact text shown and its fingerprint, the time, IP address, country, browser and a history of the request.
If a person says no, nothing is made, and the agent is told.
A person who agreed can withdraw by contacting the company. After that, no new videos are made with them. If they ask, Lofrio removes a video already made from Lofrio within 30 days. Copies the agent has already posted elsewhere are the agent's responsibility.
A person's photo is used only in the video they agreed to.

7.4 Recorded voices

Each person records their own voice, on their own consent page or (for an agent) during twin set-up. The consent page asks each person to record their voice before they can press I agree.
A recorded voice is used only for that person's own videos. It is never used to make anyone else speak, and never for another person's video.
A voice recording is reused for that person's later videos unless they record it again. To delete a recorded voice, the person emails support@lofrio.com. It is removed within 30 days.

7.5 No fake endorsements

Testimonial words must be the client's own, real words, for example their actual review. Nobody may write words for a client, change their meaning, or invent a client.
Nobody may make a video that shows a real person saying or doing something they did not agree to.
Nobody may make a video that suggests a person, brand or organization endorses something when they do not.

7.6 AI-generated label

Every On Camera video (Agent intro, Advisor, Social reel with the agent, Testimonial and Interview) carries an "AI-generated" label. The label cannot be turned off, by the company or by the agent.
Companies and agents must not remove, hide or crop out the label, and must follow any law or platform rule that requires AI content to be disclosed.

7.7 People in video effects

Video effects that show people (for example a family, a couple or kids enjoying a home) use fictional AI actors only, never a real person.
Nobody may use effects, prompts or uploads to put a real, identifiable person into a video without that person's consent.

7.8 Who can make On Camera videos

On Camera videos that use a face and voice are made only by agents, about themselves, with their own twin, and with their clients' recorded consent where clients appear. Company staff cannot make On Camera videos for an agent. Only the agent makes their own.

8. Acceptable use

You must not use Lofrio to:

break any law, or anyone's rights (copyright, trademark, privacy, likeness or publicity rights)
make misleading real estate marketing, for example hiding defects, inventing features, or presenting staged or AI-changed photos as real where that is not allowed
make fake endorsements or use anyone's face, voice or name without consent (see section 7)
make sexual, hateful, violent, harassing or discriminatory content, or content involving minors in any harmful way
make deepfakes of real people, or impersonate anyone
send spam, or contact open house visitors in ways the law does not allow
upload malware, try to break into, overload, scrape or reverse-engineer Lofrio, or get around plan limits, watermarks, locked galleries or payment
share accounts or API keys beyond what your plan allows, or resell Lofrio without our written permission
use AI tools to make content the AI providers' own rules forbid

We may remove content, pause AI tools, or suspend accounts that break these rules (see section 13).

9. Content: who owns what

9.1 Your content

The company (and its customers, for what they upload) own their content: photos, videos, floor plans, documents, logos, text and the results of AI work made for them.
Rights between the company and its customers, such as usage rights and copyright, are set by the company's own terms. The company can show its customers Usage terms at delivery.
You give Lofrio a limited licence to store, copy, process, resize, watermark, display and send your content, only to run and improve the service for you, and to pass it to AI providers and other service providers when you ask for AI work. We do not use your content to train AI models.
When a customer removes media the company made from the portal, it is hidden from customer-facing pages and the company can restore it. What a customer uploaded themselves is deleted for real when they remove it.

9.2 Lofrio's content

Lofrio's software, design, templates, marketing kit designs, social reel templates, property website templates, music library and brand belong to Lofrio or to those who licence them to us.
Videos made on Lofrio with our music may be posted anywhere, for example on social media, MLS and websites, including in ads. Lofrio's music library tracks may not be used outside the video or property website they were made for.
Music made to fit a video is made for that video. The company may use it in its videos without limit. Lofrio keeps no claim on the finished videos.
Marketing kit templates may be edited and used for the company's and its customers' marketing.

9.3 AI output

AI results may look like other AI results, and some may not be protected by copyright in some countries. Lofrio does not promise that AI output is unique or protected.

10. Data and privacy

10.1 Roles

For the company's own account data, Lofrio is responsible for how we handle it.
For the company's customers' data (names, emails, orders, invoices, uploads, open house leads and so on), the company decides how it is used, and Lofrio processes it for the company. The company is the controller of that data and Lofrio is the processor.
A Data Processing Agreement (DPA) is available on request at support@lofrio.com.

10.2 Where data is stored

Files (photos, videos, music, documents, twin photos and voice recordings) are stored on Cloudflare R2. Uploads go straight from the browser to storage, and downloads come straight from storage through short-lived signed links.
Account, order, payment and settings data is stored in a Supabase (Postgres) database.
Our apps run on Cloudflare.
Card payments run through Stripe, in the company's own connected Stripe account. Lofrio does not store full card numbers.
AI work is processed by AI providers we choose. They receive only what is needed for the task (for example the photo being edited, or a twin's photos and voice when a video is made).
Other service providers help us send email, run renders and keep the service working. Our Trust page lists our service providers and where data is stored: Cloudflare (global), Supabase (Canada), Stripe, Google, AWS (us-east-2, United States) and Motionbar.

10.3 How we protect data

Private files are never public. They are shared only through short-lived links.
Consent records, terms acceptance records and similar tables can be read only by our servers after checks, never directly by browsers.
API keys are stored as one-way fingerprints, not as the keys themselves.
Locked galleries show only small, branded previews until payment, with no downloads.

10.4 Records we keep

Delivery terms acceptance: which document and version, the exact text shown and its fingerprint, who, when, IP address, country, browser, where and whether they read to the end.
Consent records for twins, testimonials and interviews (see section 7).
Order form terms acceptance, payment history, invoices and audit logs.

10.5 Open houses

Open house sign-ins belong to the agent (the listing's customer). The company sees only sign-in counts, never visitors' names or contact details.
Lofrio never emails or contacts open house visitors. Lofrio only gives agents a tool to collect leads. The agent is responsible for following the law when they contact a lead.

10.6 Reviews

Customers can rate their order. Only the real customer can leave a review. The company decides at what rating a customer is offered its Google review link. Lower ratings stay private and go to the company.

10.7 Keeping and deleting data

When a company cancels a paid plan, its account moves to Free and its data is kept.
When an account is closed, its data is kept for 90 days and then deleted.
Deletion requests are handled within 30 days.
To export its data, a company emails support@lofrio.com. We send the export within 30 days.
Some records (tax records, payments, invoices, consent and terms records) may be kept longer where the law requires or to resolve disputes. For example, tax records are kept for 7 years in Canada.

10.8 Google and Dropbox connections

Connecting Google or Dropbox is optional. Each connection asks for the smallest permission the feature needs, and you can disconnect at any time.

Sign in with Google (team members and customers)

We receive your name, email address and Google account ID (scopes: openid, email, profile). We use them only to sign you in and link your Lofrio account. We never receive your Google password.

Google Calendar (companies, optional)

What we access:
the list of your calendars, so you can choose one (calendar.calendarlist.readonly)
your busy and free times, so bookings don't clash with your other plans (calendar.freebusy)
the events Lofrio creates in the calendar you choose (calendar.events)
What we do: we read only when the calendar's people are busy, never the titles or details of their own events. We create, update and remove events for the company's shoots: the appointment time, the property address, the services and the customer's name, plus guests you add. When a shoot is rescheduled or cancelled, we update or remove its event.

Google Drive (companies, optional)

What we access: only the files and folders Lofrio creates in your Drive, and the files you pick yourself with Google's file picker (drive.file). We cannot see anything else in your Drive.
What we do: we copy the files you pick into an order, and place delivered media in folders Lofrio creates in your Drive.

Dropbox (companies, optional)

What we access: Lofrio uses a Dropbox app folder, so it can only reach the folder Apps/Lofrio in your Dropbox, never the rest of your files. Permissions:
account_info.read, to show which account is connected
files.metadata.read, files.metadata.write, files.content.read and files.content.write, to read, add and organise files in that folder
What we do: we place delivered media in that folder and import files you put there for an order.

How we handle Google and Dropbox data

Limited Use: Lofrio's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
What we never do with it:
We use Google and Dropbox data only to provide the features described above, which you can see and control in Lofrio.
We do not sell it.
We do not use it for advertising.
We do not use it to train AI models (general or our own).
We do not let people read it, except with your permission, for security, to comply with the law, or when it is part of data we have made anonymous for running the service.
Storage: access tokens are stored encrypted (AES-GCM) in our database in Canada and are used only to call Google's or Dropbox's API for your account.
Disconnecting:
Disconnect in Lofrio: Settings › Apps & integrations for Drive and Dropbox, or Calendar › Availability for Google Calendar. We revoke our access with Google or Dropbox and delete the stored tokens; for Google Calendar we also delete the busy times we stored.
You can also remove Lofrio's access from your Google Account (myaccount.google.com › Security › Third-party access) or your Dropbox settings (Connected apps).
After you disconnect, files already copied into Lofrio stay with your orders until you delete them, and events already in your calendar stay there.
Deletion: to have your Google or Dropbox data deleted, disconnect and email support@lofrio.com. We delete it within 30 days.

10.9 Privacy rights

People can ask to see, correct or delete their personal data. Requests about a company's customer data should go to that company first. Requests to Lofrio: support@lofrio.com. Lofrio follows Canada's privacy law (PIPEDA) and the laws of Ontario. We also honour privacy rights requests from people in the EU (GDPR) and California (CCPA).

11. Customer payments, invoices and tips

Customers pay the company, not Lofrio. Card payments go to the company's own Stripe account. The company is the merchant of record. Stripe's fees are charged to the company.
Lofrio takes no share of customer payments today. A fee may be added later, with notice.
The company decides when invoices are made (at accept or at delivery), payment terms, deposits, whether payment is needed before download, and whether a gallery is locked.
Refunds: the company's staff choose to refund to the original payment method or as customer credit. After a refund, new payments on that invoice are blocked.
Customer credit belongs to the customer's relationship with that company. It is applied after discounts and tax. Refunds, overpayments and cancellations can turn into credit. It has no value outside that company.
Tips: the company chooses whether tips go to staff, are split, or stay with the business. A tip on AI work with no order, or on an order nobody was assigned to, stays with the business.
Brokerage co-pay, group prices, join codes and coupons follow the company's settings.

12. Revisions

Customer revisions are requests the company works on. They are not free AI edits.
The company sets the number of free revision rounds per service. Groups, customers and orders can get more or fewer.
After the free rounds, the customer contacts the company. Lofrio does not sell paid revision rounds.
AI changes a customer makes themselves are paid AI tools (see section 6).

13. Suspension and ending an account

13.1 The company cancelling

The owner can cancel a paid plan in Settings › Plan & billing. The plan stays active until the end of the paid period, then moves to Free.
Credits on the account at cancellation are kept on Free.
On Free, Free limits apply. Existing listings are not deleted, but new work on locked features is blocked.
To close the company account completely, email support@lofrio.com. Galleries, customer sites and property websites go offline when the account closes. Data is deleted after 90 days (see section 10.7).
No refunds for unused time or unused credits on cancellation.

13.2 Lofrio suspending or ending an account

We may suspend or end an account, remove content, or pause AI tools, with notice where we reasonably can, if:

the company breaks these terms, especially sections 7 and 8
payment is overdue past the grace period
we must do so by law, or to protect people, the service or other companies

Credits spent on AI work that broke these terms are not refunded.

13.3 Customers cancelling orders

Customers cancel or reschedule orders under the company's own policies. Lofrio does not set those rules or give refunds for them.

14. Liability

Lofrio is provided "as is" and "as available". We work to keep it running and secure, but we do not promise it will always be available, error-free, or that AI results will be suitable. We make no uptime commitment.
Lofrio is not responsible for: the company's dealings with its customers; content the company or its customers upload or create; how AI results are used; outside services the company connects (integrations, payment providers, calendars); or a person's consent being false (for example someone pretending to be someone else).
To the fullest extent the law allows, Lofrio is not liable for indirect or consequential losses, lost profits, lost business or lost data.
Our total liability for any claim is limited to the amount the company paid Lofrio in the 12 months before the claim.
The company agrees to cover Lofrio for claims caused by its content, its breach of these terms, its dealings with its customers, or missing consent or rights.
Nothing in these terms limits liability that cannot be limited by law.

15. Changes to these terms and to Lofrio

We may change these terms. For important changes we will give notice by email to the company owner and/or in the app at least 30 days before they take effect, unless the change is needed sooner for legal or safety reasons.
Prices, credit costs and plan limits may change. Changes to plan prices take effect at the next billing period after notice. Credit costs for AI tasks may change at any time and are shown before the work starts.
If you keep using Lofrio after a change takes effect, you accept the new terms. If you do not agree, you can cancel.
We may add, change or remove features.

16. General

Governing law and disputes: these terms are governed by the laws of Ontario, Canada. Disputes go to the courts of Toronto, Ontario.
Notices: we send notices to the company owner's email. Notices to us: support@lofrio.com, or by mail to Lofrio Enterprises Inc., 100 King St W, Toronto, ON M5H 1H1, Canada
Transfer: the company may not transfer its account without our written consent. We may transfer these terms if Lofrio is sold or merged.
Whole agreement: these terms, our pricing page and any order form or written agreement with us are the whole agreement. If a written agreement with a company says something different, that agreement wins.
If any part of these terms cannot be enforced, the rest still applies.

17. Contact

Questions about these terms: support@lofrio.com
Privacy requests: support@lofrio.com
Reporting misuse, such as a fake endorsement or a video made without consent: support@lofrio.com

Lofrio Enterprises Inc. · 100 King St W, Toronto, ON M5H 1H1, Canada · support@lofrio.com

Policies and terms.