still my home.

Restoration Promise terms

What's included, the limits, what isn't included, and the New York and Iowa rules.

Version 1.1. Last updated October 18, 2026.

The Still My Home Restoration Promise

  • If someone records a forged or fake document against your home while it's protected, our team works the case with you and arranges a lawyer to get it cancelled. New York: we give you our records and a list of lawyers instead.
  • We arrange and pay for the restoration work (lawyers, court, recording and title-search fees) up to $1,000,000 per home in total. It's a limit on what we spend, not money paid to you. Not in New York or Iowa.
  • Protection starts on the day the county records your notice, not when you pay.
  • If our own mistake let a fraud through, we pay to fix it from a separate limit, in every state.
  • If the restoration can't be completed, we refund every membership fee paid for that home. New York: only for our own mistakes.
  • It's Still My Home's own promise, paid from our own funds. It isn't insurance. No insurer backs it, and no state guaranty fund would pay if we couldn't.
  • It doesn't pay for money taken from you, loans or liens in your name (we get fake ones cancelled instead), your home's value, rent, living costs or lost wages.
  • It doesn't apply to fraud recorded before your protection started, to real debts and liens, or, with a few exceptions, to a document an owner really signed, even if they were tricked, pressured or not well enough to understand it.
  • Once your membership ends, you have 12 months to ask about fraud recorded while it was active.
Read the full Restoration Promise

The short version

This is a summary. If it ever seems to differ from the numbered sections below, the numbered sections apply.

Homes in New York or Iowa get less, at the same price (section 15). For a home in Iowa, we work the case with you but don't pay the restoration costs: you pay the lawyer. For a home in New York, we also don't work the case. Instead, whenever you ask, we give you our records and a list of lawyers who handle these cases. In every state, we still pay to fix fraud that our own mistake let through.

  • If someone records a forged or fake document against your Protected Home while your membership is active, our team works the case with you. We gather the records, help with the police report and the county, and arrange a lawyer to get the document cancelled. We keep going until your home's record is cleared or the lawyer has taken every reasonable step (section 10.1). (Not in New York; see section 15.3.)
  • Your protection starts on the day the county records our notice on your home. We record it only after you finish setup: we accept your confirmation of who owns the home, you pass our identity check, and you authorize the notice. We send it to the county within 5 business days after setup is complete. If we're late, your protection starts on the last day we had to send it (section 2.8). Paying alone doesn't start it.
  • We arrange and pay for the restoration work: the lawyers (our panel lawyers, or your own lawyer up to $350 an hour) and the court, recording and title-search fees, up to $1,000,000 per home in total. That's a limit on what we spend on your case, not money paid to you. It applies across every case for that home for as long as it's a member, and it doesn't reset each year. Up to the limit, you pay nothing toward the work we approve, apart from the few items in section 6.6. (Not offered for homes in New York or Iowa; see section 15.)
  • If our own mistake let a fraud through, we pay the restoration costs to fix it from a separate limit of $1,000,000 per home, in every state, including New York and Iowa (section 9).
  • If the restoration can't be completed even after every reasonable step, including court, we refund every membership fee paid for that home, on top of the costs we've paid. (In New York, only when our own mistake let the fraud through; see section 15.3.)
  • This is Still My Home's own promise. It isn't an insurance policy, and it doesn't replace title insurance. No insurance company backs it, and no state insurance guaranty fund would pay if we couldn't. We pay what we owe from our own funds.
  • It doesn't pay money taken from you, loans or liens in your name (we get fake ones cancelled instead), your home's value, rent, living costs or lost wages (section 7).
  • It doesn't apply to fraud recorded before your protection started, to real debts and liens, or to a document an owner really signed in their own name, even if they were tricked or pressured into signing it, or weren't well enough to understand it (for example, because of a "foreclosure rescue" scam or memory loss). It still applies to a document signed only because of a threat of physical harm that was reported to the police or a court; one signed without approval while a court-appointed guardian or conservator was in charge of the owner's property; one our own staff, contractors or messages tricked or pressured you into signing; and, for the other owner, one that also carries another owner's forged signature. The full list is in sections 8 and 9.5.
  • Tell us within 90 days after you find out, from your dashboard, by email or by mail. A late request is still accepted; we only reduce what we pay by what we can show the delay added to the cost. One exception: once your membership ends, fraud recorded while it was active is included only if you ask within 12 months after it ended (section 4.4).
  • If we can't settle a disagreement, you can go to court where the home is or where you live, including small claims court (section 16).

1. What this Promise is

1.1 This Restoration Promise (the "Promise") is part of your Still My Home membership and of our Terms of Service at stillmyhome.com/terms. It's included in your membership fee at no extra charge. If this Promise and the Terms of Service say different things about a subject this Promise deals with, this Promise controls.

1.2 It has four parts:

  • Part A, Restoration Service (section 5): our team works the case with you. For New York, it is replaced by records and referral (section 15.3).
  • Part B, Restoration Costs (section 6): we arrange and pay for the restoration work, up to $1,000,000 per home. Not offered for New York or Iowa (section 15).
  • Part C, Our Mistakes (section 9): we pay the restoration costs when our own service failed, from a separate limit, in every state.
  • Part D, Refund (section 10): a refund of every membership fee paid for that home if the restoration can't be completed.

1.3 This Promise is Still My Home, Inc.'s own commitment to you. Anything we pay under it comes from Still My Home's own funds. Still My Home is not an insurance company, and this Promise is not an insurance policy, a title insurance policy, a home warranty or a service contract. No insurance company or title insurer backs it, and no state insurance guaranty association or fund would pay what we owe under it if we couldn't. Your owner's title insurance policy, if you have one, is separate; we'll help you use it if it applies.

1.4 Our identity check, recorded notice, alerts and "Is this you?" checks are designed to help catch fraud early and to give you and your attorney evidence. Nobody can stop a county from recording a document, and we don't promise that no one will ever record a forged or fake document against your home. We promise what's written here.

2. Words with special meanings

2.1 "We", "us": Still My Home, Inc., a Delaware corporation.

2.2 "You": the person who holds the membership for the Protected Home and has passed our identity check. When another owner of record makes a Restoration Request under section 3.3, or a true owner does under section 9.4, "you" means them for that request, as those sections say.

2.3 "Protected Home": a home in your account that qualifies under section 3 (or that section 3.4 says we treat as qualifying), whose membership fee has been paid and whose setup is complete (section 2.8). It is a Protected Home from its protection start date (section 2.8).

2.4 "Owner of record": each person, company or trust shown in the county records as an owner of the Protected Home just before the Fraudulent Filing, except anyone shown there only because of a Fraudulent Filing. You must be one of them, or act for a company or trust that is one of them, as you confirmed in setup or under section 4.6.

2.5 "Active membership": the time your membership for the Protected Home is paid and hasn't ended. The 30-day grace period after a failed renewal payment (section 4.3) counts only if the payment goes through before the grace period ends.

2.6 "Fraudulent Filing": a document recorded with a county recorder, clerk or land registry, or a lis pendens, judgment or lien filed with a court, that identifies the Protected Home or names an owner of record; that claims to transfer the home, create or release a lien on it, give someone an interest in it or a claim to it, or give notice of such a claim; and that:

  • (a) is forged, meaning signed in an owner of record's name without their permission;
  • (b) was signed by someone pretending to be an owner of record, or using a fake or forged ID, notary acknowledgment, power of attorney, death certificate or other authority;
  • (c) is a lien, claim, notice or lis pendens (a public notice that a lawsuit about the property has been filed) that has no real debt, contract, judgment or lawsuit behind it, or that rests on a forged or made-up document, even if someone filed a lawsuit or got a judgment based on that document;
  • (d) was signed by an owner of record only because of a threat of physical harm that was reported to the police, or to a court in a request for a protective order; or
  • (e) was signed by an owner of record while a court-appointed guardian or conservator was in charge of their property, without the approval of that guardian, conservator or court.

Examples include a forged deed, including a quitclaim deed (a deed that hands over whatever ownership the signer has, with no promise that the ownership is good); a forged mortgage or home equity loan; a fake judgment, a fake contractor lien, or a "common law" lien (a lien someone files on their own say-so, with no real debt, contract or court judgment behind it); a forged transfer-on-death deed (a deed that names who gets a home when the owner dies) or a forged affidavit of heirship (a sworn statement, recorded after an owner dies, about who inherited the home); a fake lease or lis pendens recorded against the home; and a lis pendens or judgment from a lawsuit based on a forged contract.

2.7 "Discovery": the first day you actually knew about the Fraudulent Filing, for example because you read an alert about it from us or from the county. An alert that didn't reach you, or that you didn't read, doesn't count. If you have died or can't act for yourself, Discovery is the first day your executor, guardian or other legal representative actually knew.

2.8 "Protection start date": the day the county records our notice on the Protected Home (the recording date the county gives it). We record the notice only after you finish setup, which has three steps: (1) we accept your confirmation of who owns the home; (2) our identity check approves you; and (3) every owner who will be named in the notice authorizes us to record it, with a spouse's consent where the law requires it. Paying the membership fee doesn't start your protection on its own, and neither does finishing setup. We review each setup step within 5 business days after you've sent everything we asked for. If we approve a step later than that, we treat it as approved on the fifth business day. We send the notice to the county within 5 business days after setup is complete. If we send it later than that, or the county turns it down because of a mistake of ours, your protection start date is the fifth business day after setup is complete, or the day the county records the notice if that is earlier. Apart from those cases, your protection waits for the county to record the notice, and how long that takes is up to the county. Once your protection has started, it continues for as long as your membership is active, even if our notice is later released, changed or replaced, for example when you refinance. If you join again while our notice from an earlier membership for the home is still on record, the protection start date is the day you pay or, if we ask you to repeat setup, the day setup is complete again. Your home's page in your account shows the protection start date. If your dashboard, an email or anything else we show gives a later date, or says your protection hasn't started yet, the date in this section controls. If you have trouble with any setup step, for example because you don't have a smartphone, tell us and we'll help you finish it. Until you finish setup, you can ask us at any time to end that home's membership, and we refund everything you paid for it, unless you knowingly gave us false information. Our Terms of Service list the other times we refund the fee (their section 7.10).

2.9 "Restoration": getting the Fraudulent Filing, and any later document that relies on it, cancelled, released, discharged or expunged (wiped out by a recorded court order, so it has no legal effect), or declared void or set aside by a court, so the public record no longer gives any of them effect; and getting back possession of the home if someone took it because of the Fraudulent Filing. A cleared document usually stays in the county's files, with a recorded release or court order showing it has no effect.

2.10 "Restoration Costs": the work and fees listed in section 6.1.

2.11 "Panel attorney": an independent lawyer, licensed in the Protected Home's state and not employed by us, who has agreed with us to take restoration cases for our members at agreed rates.

2.12 "Restoration Request": a request to use this Promise, made as described in section 11.

3. Which homes qualify

3.1 A Protected Home must be a residential property of one to four units in one of the 50 states or the District of Columbia: a house, condominium, townhouse, or a manufactured home taxed as real property. Second homes and rentals qualify. Commercial property, vacant land and co-op apartments don't. (In a co-op, you own shares in a cooperative corporation and lease your apartment from it, instead of owning the apartment by deed.)

3.2 If a company or trust owns the home, this Promise applies to Fraudulent Filings against that owner. You must have authority to act for it, as you confirmed in setup or under section 4.6, and keep that confirmation true.

3.3 Co-owners. If the home has more than one owner of record, this Promise protects each owner of record who didn't take part in the Fraudulent Filing, whether or not they hold the membership. One membership protects all of them, and they share the limits in sections 6.5 and 9.7. An owner of record who doesn't hold the membership can make a Restoration Request once they pass our identity check (section 11.1). For that request, they have the rights and duties this Promise gives you, Discovery (section 2.7) means the first day they actually knew, and section 16 applies to them as it does to you. They can enforce this Promise for that request even if our Terms of Service say no one else can. They can't change or cancel the membership, except under section 17.3.

3.4 If a home doesn't qualify. You agree to tell us truthfully what kind of property the home is. If a home in your account doesn't qualify under section 3.1:

  • (a) if we find out before its protection start date, we end its membership and refund everything you paid for it;
  • (b) if we find out on or after its protection start date, we tell you in writing, and the membership for that home ends that day. We refund the membership fee for the current year in full, without reducing it for the time already used. Until that day we treat the home as a Protected Home, and section 4.4 applies to any Fraudulent Filing recorded before then.

If you knowingly gave us false information about the home, we don't treat it as a Protected Home under (b), but we still refund the fee for the current year.

4. When it starts and ends

4.1 This Promise applies to Fraudulent Filings recorded on or after the protection start date and during an active membership.

4.2 It stops applying to new Fraudulent Filings when the membership for that home ends. The membership ends (the "end date"):

  • (a) if you cancel: at the end of the period you've already paid for, and this Promise applies until then. If we refund that period's fee, or the unused part of it, at your request (for example under section 15.5(b)), it ends on the day of the refund instead;
  • (b) if a renewal payment isn't made within the grace period: on the renewal date (section 4.3);
  • (c) if the home is sold or given to someone else: on the day that deed is recorded. If you sell or give away only your share, see section 17.3. Adding someone as a co-owner, such as a family member, isn't a sale or gift of the home. Neither is a deed in which you keep the right to live in the home for life (a "life estate"), or a transfer-on-death deed. In those cases the membership continues, and the limits in sections 6.5 and 9.7 stay the same; or
  • (d) if we end it under section 4.7: on the date in our written notice.

A Fraudulent Filing is never a sale or gift by an owner of record, even if it names an owner of record as the seller or the home is later resold under it, and it doesn't end the membership. (If you took part in it, section 8.1(a) applies.) Moving the home into your own trust or company under section 4.6 isn't a sale or gift either. If you tell us a recorded deed is a Fraudulent Filing, the membership continues while we review it.

4.3 Grace period. If a renewal payment doesn't go through on the day it's due (the "renewal date"), you have 30 days after the renewal date to pay (the "grace period"). We keep our service running during the grace period, including "Is this you?" requests. We tell you that the payment failed and how to fix it, by email and by letter to your mailing address. Anyone can make the payment for you, such as another owner or a family member. If the payment goes through within the grace period, your membership continues with no gap, and a Fraudulent Filing recorded during the grace period is included. If you make a Restoration Request during the grace period, before paying, about a Fraudulent Filing recorded on or after the renewal date, we tell you the amount due and the deadline. Once the payment is made, we review the request like any other, and the times in section 5.2 start no earlier than the day you pay. For section 11.3, the request still counts as made on the day it reached us. If the payment isn't made within the grace period, the membership ends on the renewal date, and a Fraudulent Filing recorded on or after that date isn't included. If you pay later, a new membership starts, and section 2.8 sets its protection start date.

4.4 After your membership ends. A Fraudulent Filing recorded during an active membership is still included after the membership ends, but only if you make the Restoration Request within 12 months after the end date. Contacting us as described in section 11.1 within those 12 months is enough; the details in section 11.2 can follow. The late-request rule in section 11.3 doesn't extend this 12-month limit. If a new membership for the home, held by you or for the same owner of record, starts within those 12 months, the 12 months run instead from the end date of the new membership.

4.5 Work in progress continues. Once we accept a Restoration Request, we finish the Restoration, or reach the point in section 10.1, even if the membership later ends, including when it ends because the account holder took part in the fraud. We stop only in three cases: for a person who took part in the Fraudulent Filing or knowingly gave us false information about it; if we decide under section 11.5 that this Promise doesn't apply to the document; or if section 12 lets us stop. Where section 15.3 applies, that section says what we do instead.

4.6 Moving the home into your own trust or company. If an owner of record moves the Protected Home into a trust set up for the owner or the owner's family (such as a living trust) or into a company the owner controls, or back out of one to the owner, the membership continues without a gap. The new owner becomes an owner of record, and for section 8.1(b) it is treated as having acquired the home when the previous owner did. Your protection start date and the limits in sections 6.5 and 9.7 stay the same. Please tell us within 60 days after the transfer is recorded, so we can confirm you can act for the new owner (section 3.2) and update our notice at no charge. If you tell us later, protection still continues; we may only reduce what we pay by what the delay added to the Restoration Costs, as in section 11.3.

4.7 When we can end a membership. We can end a membership:

  • (a) right away, for fraud by you, false information you knowingly gave in your identity check or ownership confirmation, or a serious breach of our Terms of Service. We tell you why in writing, and you can ask for a review as in section 11.4; or
  • (b) for any other reason, by telling you in writing at least 30 days ahead.

We refund the unused part of that year's fee, except when we end a membership for fraud by you or false information you knowingly gave us. We never end a membership because a verification request, an alert or a Restoration Request was made about the home. A Fraudulent Filing recorded before the end date stays included under section 4.4, and accepted work continues under section 4.5.

5. Part A: Restoration Service

5.1 When we accept a Restoration Request, we will do everything listed below. Where section 15.3 applies, that section replaces this one.

  • (a) gather the county records and identify the recorded documents that appear to be part of the fraud, for the attorney to review;
  • (b) give you a named contact person and a written summary of what we found and the next steps in our process;
  • (c) help you make a police report and any fraud report your county or state offers. If your county or state provides an affidavit (a sworn written statement) or other form for owners to complete themselves, we give you the form and the facts and records from our file that you'll need for it, and the attorney advises you whether and when to file it. Any other affidavit, declaration, or document to be recorded or filed in court is prepared by the attorney;
  • (d) tell the county recorder and, where useful, any lender, title company or buyer involved that you have reported the document as fraudulent;
  • (e) arrange a panel attorney (or approve your own attorney under section 6.3) to get the Fraudulent Filing cancelled, released or expunged and, where needed, to bring a court case to "quiet title" (asking a judge to declare who the rightful owner is) or to get possession of the home back;
  • (f) give your attorney the records we hold about the Protected Home (making a Restoration Request is your permission for this): whether your identity check passed and when, our recorded notice and its number, verification requests and answers, and our logs. We give the same records to the police or other authorities looking into the fraud when you, or the person acting for you under section 11.1, ask or agree, or when a law, court order, warrant or subpoena requires it. ID images, selfies, liveness videos and face-match data are handled differently, whether they are yours or belong to someone who used your name: we share them only when a law, court order, warrant or subpoena requires it, or when the person they belong to (or their legal representative) agrees in writing and the law allows it. If someone else passed our identity check in your name, we tell your attorney and the authorities what identity-check data exists and who holds it (us or our identity-check provider), so they can ask for it the proper way;
  • (g) update you at least every 30 days until the Restoration is finished or section 10.1 applies.

5.2 Our response times. We acknowledge a Restoration Request within 2 business days. We tell you whether we accept it within 20 business days after we have what we need under section 11.2. We arrange an attorney within 10 business days after we accept it.

Emergencies. If a sale, new loan, eviction, lockout or court deadline involving the Protected Home is less than 10 days away, tell us when you make your Restoration Request. The emergency steps below apply only if the request is about a document that would be a Fraudulent Filing if what you tell us is true, recorded or filed after an account for the home was opened with us and before the membership ended. Within 2 business days, we tell the county and any title company, lender or buyer involved that you've reported the document as unauthorized. Within 3 business days, we arrange a panel attorney to take the urgent steps needed, such as stopping the sale or loan or answering the court, while we finish reviewing your request. We pay for the urgent steps we arrange, and they count toward the limit in section 6.5. If we later decide this Promise doesn't apply, we tell you before the attorney does anything more, and you owe nothing for the urgent steps already taken, unless a court finds that section 8.1(a) applies to you or that you knowingly gave us false information (section 11.5(i)). Where section 15.3 applies, we instead send our records and attorney list within 2 business days. Where section 15.4 applies, we arrange the attorney, but you pay for the urgent steps unless Part C applies.

5.3 What we still do if a problem isn't included. If a problem isn't included (for example, fraud recorded before your protection start date, a county clerical error, or a squatter with no recorded document), we still tell you what we found, give you copies of our records under section 5.1(f), and point you to the county, the police, legal aid, your state attorney general or your title insurer. We don't pay costs in those cases, except under section 5.2 (emergencies) or Part C.

5.4 Our team doesn't give legal advice. We are not a law firm. Legal work is done by licensed attorneys (section 13.1).

6. Part B: Restoration Costs

6.1 For a Fraudulent Filing this Promise applies to, we arrange the work needed for Restoration and pay for it directly. The work and fees we pay for, when reasonable and necessary, are:

  • (a) panel attorney fees, or your own attorney's fees under section 6.3;
  • (b) court filing fees, the cost of formally delivering court papers to the other side ("service of process"), and other court costs;
  • (c) county recording, filing and certified-copy fees;
  • (d) title searches, title reports and abstracts of title (summaries of every recorded document affecting the home's title);
  • (e) handwriting, document or forensic experts the attorney needs;
  • (f) court cases to get back possession of the home, if the Fraudulent Filing led someone to take it, including removing someone who claims the home under it;
  • (g) appeals the attorney recommends, and defending an appeal by the other side;
  • (h) court costs, and any award of the other side's attorney fees, that a court orders you to pay in the restoration case, unless your own conduct caused them. We don't pay damages, fines or sanctions;
  • (i) interpreters and translations the attorney needs to work with you or with the court.

6.2 We pay providers directly, and on time. We pay panel attorneys and other providers directly, within 45 days after we receive an itemized bill for approved work. Our agreement with each panel attorney says that the attorney bills us, not you, for approved work; doesn't bill you for any part of a bill we question; and must tell you in writing, and get your agreement, before doing any work we won't pay for. If we question part of a bill, we pay the rest on time and tell you and the provider in writing what we question and why; you can ask for a review under section 11.4. If a provider bills you for a cost we approved, send us the bill and we pay it within 30 days. If you had to pay a cost listed in section 6.1 yourself (because a court or county would take it only from you, because we approved it in writing, or because section 7(i), 11.5 or 14.1(a) says we pay it), we reimburse you within 30 days after you send us the receipt. Apart from these reimbursements and the refunds in this Promise, we don't make any cash payment to you.

6.3 Your own attorney. You may use an attorney you choose instead of a panel attorney. Send us their name, state license number and hourly rate. We approve or decline within 5 business days, and we won't decline without a good reason. If we don't answer in time, the attorney is approved. Approval applies to their work from the day you asked. We pay that attorney's reasonable fees for the Restoration at up to $350 an hour. If the attorney charges more than $350 an hour, you pay the difference, and our approval says how much of each hour, if any, you would pay. Please ask for their hourly rate before you hire them. If we decide that part of a bill isn't reasonable or isn't for the Restoration, we tell you and the attorney why in writing, and you can ask for a review (section 11.4). If you use a panel attorney, there is no hourly difference for you to pay. Section 7(i) deals with urgent steps taken before approval, section 13.1(d) with changing attorneys, and section 14.1(a) says when the approval and the hourly cap don't apply.

6.4 We clear fake loans and liens; we don't pay them off. We get a Fraudulent Filing removed through the attorney, the county and the courts. We never pay any amount that a loan, mortgage, lien or other debt says is owed, even one taken out in your name, and we never pay the person behind a Fraudulent Filing to release or withdraw it. Court-ordered costs under section 6.1(h) are still paid. The attorney may still agree to a release or court order in which no one is paid for the debt.

Release bonds. If the Protected Home's state lets a lien or lis pendens be released by a bond while the case is decided, and the attorney recommends one, we pay the bond company's fee as a Restoration Cost, with your agreement. The bond company may ask you to sign its agreement as the person the bond is issued for. We don't put up cash, collateral or a guarantee for the bond. If the court decides the lien or claim is valid, it wasn't a Fraudulent Filing (section 8.1(c)), and anything the bond pays to the person claiming it is not a Restoration Cost.

6.5 Restoration limit. The most we pay under Part B for one Protected Home is $1,000,000 in total, for all Fraudulent Filings combined. The limit applies across every membership for that home held by you or for the same owner of record, including renewals and any new membership after a lapse. It doesn't reset each year or when you re-join. A new limit starts only when a new owner gets the home through a real sale, gift or inheritance and joins. Moving the home into your own trust or company doesn't make a new owner. Your dashboard shows how much of the limit is left.

6.6 What you pay. Up to the limit in section 6.5, you don't pay any part of the Restoration Costs for a Fraudulent Filing this Promise includes, except:

  • (a) the part of your own attorney's bill we don't pay under section 6.3, such as an hourly rate above $350;
  • (b) costs you take on without our approval, except as sections 7(i), 11.5 and 14.1(a) say;
  • (c) the amount a late request added to the costs, if we reduce our payment under section 11.3;
  • (d) costs a court orders you to pay because of your own conduct (section 6.1(h)); and
  • (e) costs above the limit in section 6.5.

6.7 Part B isn't offered where section 15.3 or 15.4 applies. Part C still applies there, together with sections 6.1 to 6.4 and 6.6 (section 9.1).

7. What this Promise doesn't pay for

This Promise pays only for Restoration. Except as section 14.4 says, we don't pay for or reimburse:

  • (a) money taken from you, or any amount owed or claimed on a loan, mortgage, lien or other debt, including one taken out in your name. We clear those filings instead (section 6.4). This doesn't limit the Restoration Costs in section 6.1;
  • (b) your home's value or any loss in it, sale proceeds, or lost equity;
  • (c) mortgage payments, property taxes, insurance or HOA dues, including any you pay while Restoration is under way;
  • (d) rent, hotels, moving or storage, or other living costs;
  • (e) damage to the home or its contents;
  • (f) lost wages, lost time, business losses or credit damage;
  • (g) emotional distress, or punitive, special, indirect or consequential damages;
  • (h) criminal defense, or legal work that isn't part of the Restoration;
  • (i) costs you take on without our approval, except:
    • (1) urgent steps your attorney takes to stop a sale, transfer, new loan, foreclosure or eviction, or to meet a court deadline, before we've had a reasonable chance to approve them, if you tell us about them as soon as you reasonably can. We pay these if they are costs listed in section 6.1 that Part B or Part C pays for that Fraudulent Filing (where section 15.3 or 15.4 applies, only Part C), with attorney fees at up to $350 an hour; and
    • (2) costs that section 11.5(h) or 14.1(a) says we pay.

8. When this Promise doesn't apply

8.1 This Promise doesn't apply to:

  • (a) Your own acts. A Fraudulent Filing you made, took part in, or knew about and agreed to. If this happens, we may end your membership (section 4.7). This applies only to people who took part. It doesn't take away protection from an owner of record who didn't (sections 3.3 and 8.2(b)).

  • (b) Earlier problems. A Fraudulent Filing recorded before your protection start date, even if it is discovered later (for a filing recorded during an earlier membership for the home, we use that membership's protection start date); a Fraudulent Filing that is part of an earlier attempt to sell, transfer, borrow against or put a false lien on the home that the person who answered our setup questions knew about before that date, if our setup asked about earlier attempts and they didn't tell us about it in writing before that date (this never counts against an owner of record who didn't take part in the fraud, if the person who answered our setup questions took part in it or wasn't really an owner); and problems in the home's records from before the owner of record acquired it.

  • (c) Real debts and liens. A tax, government, HOA, code-enforcement, judgment, mortgage or contractor lien based on a real debt, contract or judgment, and a foreclosure for a real unpaid debt. These are included only if the document itself, or the document the debt, contract or judgment rests on, is forged or made up (section 2.6(c)).

  • (d) Other property problems. Boundary or survey disputes, a neighbor's adverse possession claim (a claim to own part of your land by using it openly, without your permission, for the number of years state law sets), easements, zoning, and mistakes by a county, lender or servicer. These aren't Fraudulent Filings. If you have an owner's title insurance policy, ask your insurer whether it applies; we'll help you check (section 5.3). A Fraudulent Filing is still included if a county's, lender's or servicer's mistake helped it through, and even if your title insurance also covers it. Section 13.3 explains who pays which cost.

  • (e) Real signatures and family property disputes.

    • (1) A transfer, mortgage or other document that an owner of record really signed in their own name, even if they were tricked, pressured or misled into signing it (for example, by a "foreclosure rescue" scam), or weren't well enough to understand it. The exceptions are a document signed because of a threat of physical harm (section 2.6(d)) and one signed while a court-appointed guardian or conservator was in charge of the owner's property (section 2.6(e)). This applies only to the owner who really signed: if the document also carries another owner of record's forged signature, it is included for that other owner.
    • (2) A transfer between owners as part of a divorce or separation, if the owner giving up their share really signed it or a court ordered it.
    • (3) A disagreement between heirs, or over a will or estate, about who should own the home.

    A Fraudulent Filing is still included when it comes up in a divorce, separation or estate. For example, a quitclaim deed forged by a spouse or ex-spouse, or a forged transfer-on-death deed or affidavit of heirship filed by a relative, is included (sections 8.2(a) and (b)).

  • (f) Government action and war. Condemnation or eminent domain (the government, or a utility or other body the law allows, taking property for public use), government seizure, war, insurrection or terrorism.

  • (g) Anything that isn't the Protected Home. Identity theft, payment fraud or wire fraud that doesn't involve a document recorded against the Protected Home, and fraud against another property.

8.2 These are included, even though they might look excluded:

  • (a) A relative or household member made the Fraudulent Filing, if it's reported to the police (section 11.2) and you don't knowingly give investigators false information. You don't have to ask for charges, ask for anyone to be prosecuted, or testify against a family member in a criminal case to keep this Promise. You still need to help with the Restoration itself, including the statements and court appearances the attorney needs (section 12).
  • (b) A co-owner made the Fraudulent Filing, including a co-owner who holds the membership. It's included for each owner of record who didn't take part, on the same conditions as (a). That owner doesn't need to hold the membership (section 3.3).
  • (c) Someone took over your Still My Home account, your email or your phone number and used it in the fraud, unless you gave them your password or codes knowing they would misuse them.

8.3 If we think section 8.1(a) or (e) applies because you or another owner of record really signed, authorized or agreed to the document, section 11.5 explains how we decide.

9. Part C: Our Mistakes

9.1 What we pay. If our mistake causes a Fraudulent Filing, we pay the Restoration Costs to fix it, from the separate limit in section 9.7. Sections 6.1 to 6.4 and 6.6 apply to these payments in every state, including where section 15.3 or 15.4 applies.

9.2 What counts as our mistake. "Our mistake" means that we, our staff or contractors, or a company we use to run our service (such as our identity-check, email or text provider) didn't do what this Promise, our Terms of Service or the description of our service on our website says we do, or did it wrongly. This means a step of our service, such as checking an identity, recording our notice, sending an alert or passing on an answer, not a result such as stopping every fraud. Examples:

  • (a) we told a requester that an owner confirmed a request when no one had confirmed it through the account of a person our identity check had approved as that owner, or we didn't pass on an owner's denial;
  • (b) we approved an identity check or accepted an ownership confirmation for someone who wasn't an owner of record or authorized to act for one, including someone who opened an account for a home that isn't theirs, because we or our identity-check provider didn't follow our written steps for checking identity and ownership, or ignored a warning sign those steps say to act on. It's up to us to show that every step was followed, and we give those steps to your attorney on request;
  • (c) we changed the email or mobile number on an account without our usual checks, and someone used it to answer a request;
  • (d) one of our staff or contractors used access or information they had through their work for us to take part in the fraud.

These aren't our mistakes: not noticing a document recorded before the protection start date, and a takeover of your own email, phone or mobile account that didn't happen through us (section 8.2(c) may still help, except where section 15.3 applies).

9.3 When our mistake causes a Fraudulent Filing. Our mistake causes a Fraudulent Filing if, without the mistake, the filing probably wouldn't have been recorded, or a buyer, lender or title company probably wouldn't have relied on it. If our mistake did neither but made the Restoration cost more (for example, because an alert we should have sent was late), Part C pays only that extra cost. Where section 15.3 or 15.4 applies, that is all Part C does in that case: you still pay the rest of the Restoration Costs yourself, and section 15.3(b) doesn't bring in Part A. Whenever we review a Restoration Request, we check our own records for a mistake and tell you what we find. If we find one of the mistakes listed in section 9.2(a) to (d), we treat it as having caused the Fraudulent Filing unless we show that it probably didn't. If we find, even without a Restoration Request, that we probably made one of those mistakes about a home, we write to the true owner (section 9.4) within 20 business days, at the owner's address in the county records and at the home if that is different. We tell them what we found and how to make a Restoration Request under Part C if a Fraudulent Filing has been or is later recorded, whether or not they are a member.

9.4 Who it protects. Part C protects the true owner: whoever was shown in the county records as the home's owner just before the Fraudulent Filing and didn't take part in it, whether or not they hold the account or are a member. For Part C:

  • (a) "owner of record" in section 2.6 means the true owner, and "Protected Home" means any home for which an account was opened with us, whether or not its fee was paid or its setup finished;
  • (b) once the true owner passes our identity check, they have the rights this Promise gives "you" under Parts A and C and section 14 for that Fraudulent Filing, and sections 11, 12, 13 and 16 apply to them. They have rights under Parts B and D only if they hold the membership for that home or are an owner of record that membership protects under section 3.3;
  • (c) section 8.1(a) applies to the true owner's own acts, not to the acts of someone else who opened an account.

9.5 How the rest of this Promise applies. The rest of this Promise applies to Part C, except that:

  • (a) Part C applies in every state, including where section 15.3 or 15.4 applies;
  • (b) sections 4.1 to 4.4 don't apply. Part C applies to a mistake we make while an account for the home is open with us, including during setup, if the Fraudulent Filing it causes is recorded while that account is open or within 12 months after it closes;
  • (c) section 8.1(b) doesn't exclude a Fraudulent Filing recorded before the protection start date if our mistake caused it. The rest of section 8.1(b) still applies;
  • (d) a document an owner of record really signed because our staff or contractors, or a message sent from our own systems, deceived or pressured them counts as a Fraudulent Filing for Part C. Signing it that way isn't taking part in it or agreeing to it under section 8.1(a), section 8.1(e)(1) doesn't exclude it, and the real signature isn't a reason to turn it down under section 11.5. Instead of the statement in section 11.2 that they didn't sign, that owner signs a statement saying how they were deceived or pressured. The rest of section 8.1(e) still applies.

9.6 Our own recordings. If we record a notice with wrong details or against the wrong home, we correct or remove it at our cost for that home's owner, whether or not they are a member and whether or not a Fraudulent Filing follows. If that owner pays reasonable costs to remove it because we didn't, we repay them. These costs don't count toward any limit.

9.7 Limit. Part C pays up to $1,000,000 per home in total, for all our mistakes combined and across every account and membership for that home. It doesn't reset each year. When Part B and Part C both apply to the same costs, we pay from Part C first, and Part B pays anything above the Part C limit, up to its own limit, where Part B is offered. Using Part C never reduces the Part B limit. The rules in section 6.5 on how a limit carries over across memberships and owners apply to this limit too.

10. Part D: Refund

10.1 If Restoration can't be completed. We refund all the membership fees you or the owner of record paid for that home if:

  • (a) a court makes a final ruling that leaves the Fraudulent Filing in effect, after any appeal the attorney recommends;
  • (b) the attorney handling the case tells us in writing that no reasonable step is left; or
  • (c) the limit in section 6.5, or for a mistake of ours the limit in section 9.7, is used up before the Restoration is finished.

The refund is in addition to the Restoration Costs we've paid. It doesn't include fees paid by an earlier owner of the home. We pay it within 30 days after (a), (b) or (c) happens; if you think it's due sooner, you can ask for a review under section 11.4. We never pay this refund to anyone who took part in the Fraudulent Filing; in that case it goes to the owner of record who made the Restoration Request. Where section 15.3 applies, this refund applies only when Part C applies. Where section 15.4 applies, "the attorney" means the attorney handling the case, whom you pay unless Part C applies.

11. How to make a Restoration Request

11.1 You can make a Restoration Request in any of these ways:

  • (a) from your dashboard;
  • (b) by email to help@stillmyhome.com; or
  • (c) by mail to the address in section 20.

A request counts as made on the day it reaches us, however you send it. We confirm your request in writing, by mail if you ask.

If someone has taken over your Still My Home account, your email or your phone number, write to us by mail or from another email address. We'll check your identity another way and send your updates by mail or to a new email address you give us.

An owner of record who doesn't hold the membership (section 3.3) can make a Restoration Request once they pass our identity check. So can anyone with legal authority to act for you or for another owner of record, such as an executor, a guardian or an agent under a power of attorney. We check their authority before we act on the request or share our records. You can also ask us to talk with a family member or another person you trust. Tell us in writing. That person can help and receive updates, but decisions and signatures still need you or someone with legal authority for you. If you have died or can't act for yourself and no one has that authority yet, a family member or someone else close to you can still tell us about the Fraudulent Filing. We record the date they tell us, and it counts as the date of your Restoration Request for sections 4.4 and 11.3. We tell them how to get authority to act for you. We don't share your records with them, and we act on the request once you, or someone with that authority, confirms it. If they tell us a sale, loan, eviction or court date is less than 10 days away, we still send the notices to the county and anyone involved that section 5.2 (emergencies) describes, within the time it gives.

11.2 Send us, or let us get: the county document number or a copy of the Fraudulent Filing if you have it; a police report number (you can file the report after you contact us, and, except where section 15.3 applies, we'll help); and a signed statement that you didn't sign or authorize the document. If you are acting for an owner of record, for example as their executor, guardian or agent under a power of attorney, your statement can say instead that, as far as you know, the owner didn't sign or authorize it. That counts as the signed statement everywhere in this Promise. If an owner did sign the document, but only because of a threat under section 2.6(d), while a guardian or conservator was in charge under section 2.6(e), or because of deception or pressure under section 9.5(d), the statement says how it happened instead. The appendix lists the details we ask for.

If the police won't take a report, write down when and where you tried and, if you know it, the officer's name or the agency's case number. Then file an identity theft report with the FTC at IdentityTheft.gov, a report with your district attorney, your state attorney general or the FBI's Internet Crime Complaint Center (ic3.gov), or any fraud report or affidavit your county or state offers. That counts as the police report everywhere in this Promise, except that a threat under section 2.6(d) needs a police report or a request to a court for a protective order. If the police take a report later, send us the number.

11.3 Timing. Please make the request within 90 days after Discovery. A late request is still accepted. We may reduce what we pay only by the extra Restoration Costs we show the delay caused, and we'll explain any reduction in writing. We don't count any time when illness, injury, disability or incapacity, a hospital or care-home stay, active military service, or a death in your family kept you from making the request. This section doesn't extend the 12-month limit in section 4.4 after a membership has ended.

11.4 Review. If we turn down a request or a cost, we tell you why in writing and name the section we relied on. You can ask for a review by someone who didn't make the first decision, and we answer within 20 business days.

11.5 If we think an owner really signed. This section applies, before or after we accept a Restoration Request, when we think you or another owner of record really signed, authorized or agreed to the document (sections 8.1(a) and 8.1(e)).

  • (a) We tell you why. We tell you in writing what makes us think so and show you the evidence we rely on, unless the police ask us to hold something back. Before we accept a request, we do this within the decision time in section 5.2 (or, where section 15.3 applies, section 15.3(b)). If we do, the time in (e) takes the place of that decision time, including for section 14.1(a)(1). After we accept, we do it as soon as the question comes up, and we keep paying approved Restoration Costs until we decide.
  • (b) You answer. You have at least 15 business days to answer and send evidence, such as samples of the owner's real signature, records showing where they were that day, or a police report. We give you more time if you ask for a good reason, and we consider everything you send.
  • (c) An independent expert. If the question is whether a signature is real, you can ask us to have a forensic document examiner review it. The examiner will be certified by a recognized board, such as the American Board of Forensic Document Examiners, and won't work for us. We pay the examiner, and that cost doesn't count toward any limit in this Promise. Unless the examiner concludes that the owner of record probably signed, we won't treat the signature as real. If the examiner can't reach a conclusion because you didn't give signature samples you could reasonably get, we decide on the other evidence.
  • (d) Protecting the home's record while we decide. We keep doing the Part A work that protects the home's record: we help you make the police report and any county fraud report, and we give you our records. If you want, we tell the county recorder and any lender, title company or buyer involved that you have reported the document as fraudulent. If court work can't wait, the emergency rules in section 5.2 apply.
  • (e) Our decision. We decide within 20 business days after we have your answer (or your time to answer ends, if you don't answer) and any examiner's report, whichever comes later, and tell you in writing. If we decide against you, you can ask for a review under section 11.4.
  • (f) Who has to show it. On this question, your signed statement under section 11.2 is enough. It's up to us to show that it's more likely than not that an owner of record really signed, authorized or agreed to the document. You don't have to prove that they didn't.
  • (g) Court decisions. If a court decides in a final judgment that the document was forged or signed without the owner of record's permission, or someone is convicted of, or pleads guilty to, forging it or recording it, we accept that on this question.
  • (h) Costs while we decided. If we accept, or a court or criminal case decides as in (g), we pay the reasonable Restoration Costs from the date of your Restoration Request, including costs incurred while we were deciding, even though we didn't approve them in advance, up to the limits in sections 6.5 and 9.7.
  • (i) Repayment. We won't ask you to repay Restoration Costs we've paid, or a refund under section 10.1, unless a court finds that section 8.1(a) applies to you or that you knowingly gave us false information.
  • (j) New York and Iowa. Where section 15.3 applies, this section applies to decisions under Parts C and D, and the work in (d) is limited to giving you our records and attorney list. Where section 15.4 applies, (h) applies only to costs Part C pays.

12. What you agree to do

You agree to:

  • (a) give true information and sign the documents the Restoration needs, such as affidavits, police reports and declarations;
  • (b) cooperate with the attorney and appear in court if needed;
  • (c) not settle with, pay or sign anything for the person behind the Fraudulent Filing without telling us first;
  • (d) keep the Protected Home's mortgage, taxes and insurance current where you can, so real debts don't add new problems.

If illness, age or circumstances keep you from doing something on this list, tell us and we'll work with you, your family or your representative.

If you don't do something on this list, we'll tell you in writing what's needed and give you at least 30 days to do it, plus any time section 11.3 doesn't count. That alone doesn't let us refuse a Restoration Request. Once that time has passed, we may pause only the work that can't go ahead without it, until it's done, and we may reduce what we pay only by the extra Restoration Costs we show it caused, as in section 11.3. Item (d) is a request, not a condition: falling behind on a mortgage, taxes or insurance never lets us pause, reduce or refuse anything under this Promise. On these grounds, we may refuse or stop a Restoration only if you knowingly give us false information about the Fraudulent Filing or your request, or if, after that notice, you still won't sign or appear for something the Restoration can't go ahead without. If we do, we explain why in writing, you can ask for a review under section 11.4, and section 10.1 doesn't apply to that request.

13. Attorneys, recovering costs, and other payers

13.1 Your attorney works for you.

  • (a) A panel attorney, or your own attorney under section 6.3, represents you or the owner of record, not us, even though we pay the fees. We are not a law firm, and we don't give legal advice or provide legal services.
  • (b) Before work starts, an attorney we pay explains in writing that we are paying them, what information we receive, how our approvals and limits work, and that recovered costs come to us (section 13.2), and then asks for your consent. We require this of every attorney we pay.
  • (c) The attorney decides how to handle your case with you, under their professional duties. We don't direct or control their legal judgment. Our approvals under this Promise decide only what we pay, never what you and your attorney may do. If we decline to pay for a step, you can ask for a review under section 11.4, and you can still take that step at your own cost.
  • (d) If you think your panel attorney has a conflict of interest or isn't handling your case properly, tell us. We arrange another panel attorney, or approve your own attorney under section 6.3, even after work has started.
  • (e) We need the attorney's bills to pay them, and short status updates (what has been filed and what comes next) to keep you updated under section 5.1(g). The attorney asks your permission to send us these. We can't pay bills we don't see. The attorney doesn't send us your private communications with them, or anything else about your case, unless you agree.
  • (f) We don't share in any attorney's fees. No attorney pays us, or gives us anything of value, for a referral or to be on our panel or on the list in section 15.3. The only money between us and an attorney is what we pay them for members' cases.

13.2 Recovering costs. If a court or anyone else pays back Restoration Costs we paid, that money comes to us, up to what we paid. That includes payments from the wrongdoer, a title insurer, a lender, or a notary's bond (a guarantee, usually from an insurance company, that pays people harmed by a notary's improper work, up to a set amount). You agree to let the attorney ask for those costs in the case. Anything recovered beyond our costs, including any damages awarded to you, is yours. But if money from one source, such as a settlement, the wrongdoer or a notary's bond, isn't enough to pay back both our costs and your own losses that this Promise doesn't pay (section 7), your losses are paid first. We take only what is left, up to what we paid.

13.3 No double payment. If someone else pays a Restoration Cost, such as your title insurer or a lender, we don't pay that same cost. We still do the work, coordinate with them, and pay what they don't. This Promise doesn't reduce anything another party owes you.

14. If we don't keep this Promise: what we owe

14.1 If we don't do what this Promise says, you can require us to:

  • (a) pay the Restoration Costs this Promise includes for your home, up to the limits in sections 6.5 and 9.7. You may hire your own attorney, and keep them for the rest of the Restoration, if:

    • (1) we haven't told you whether we accept your Restoration Request within 10 business days after the decision time in section 5.2 (or, where section 15.3 applies, section 15.3(b)) runs out;
    • (2) we haven't arranged an attorney within 10 business days after the attorney time in section 5.2 runs out; or
    • (3) we turned down a request, and a review under section 11.4, an examiner under section 11.5 or a court under section 16 finds it was included; or we turned down a cost, and a court under section 16 finds it was included. If our own review under section 11.4 finds that a cost we turned down was included, we pay it as section 6.2 says.

    We then pay their reasonable fees and the other Restoration Costs, directly or by reimbursing you, without the approvals in sections 6.2, 6.3 and 7(i) and without the hourly cap in section 6.3. Where section 15.3 or 15.4 applies, this applies only to costs Part C pays; and

  • (b) refund all the membership fees you or the owner of record paid for that home, even if the Restoration is later completed, if any of the failures in (a) happens, or if we still haven't paid a Restoration Cost we owe 30 days after the time for paying it in section 6.2 runs out. We pay this refund only once, even if section 10.1 also applies.

14.2 Those are all we owe you if we don't keep this Promise. Except as section 14.4 says, we don't owe any other damages under it, including for the losses listed in section 7.

14.3 Any limit on our liability in the Terms of Service, and any statement there that our service is provided "as is", doesn't reduce what we owe under this Promise. This section 14 is only about this Promise; the Terms of Service still apply to everything else.

14.4 What these limits don't affect. Nothing in sections 7 and 14, and nothing in the Terms of Service, limits:

  • (a) any liability the law places on us for fraud, gross negligence or willful misconduct by us or by our staff or contractors;
  • (b) any right or remedy that a law gives you and doesn't let a contract take away or limit, including under state consumer protection laws; or
  • (c) attorney fees and costs that a law entitles you to, or that a court awards you.

Anything we have already paid under this Promise counts toward what we owe for the same loss.

15. New York and Iowa

15.1 Parts A, B, C and D apply to Protected Homes in every state and the District of Columbia, except as this section says.

15.2 Where these rules apply.

  • (a) The New York rules in section 15.3 apply to a Protected Home in New York.
  • (b) The Iowa rules in section 15.4 apply to a Protected Home in Iowa.
  • (c) Before you pay, at sign-up or when you add a home, we check the home's address. If section 15.3 or 15.4 applies, we show you what's different before you can pay, you must confirm you've read it, and we keep a record of that confirmation. If our records don't show that you confirmed it before paying, we refund every fee you've paid for that home on request, and you can cancel. The membership price is the same.
  • (d) Only the home's address counts. Where you live, or who owns the home, doesn't change which rules apply.

15.3 New York. Where this section applies, Part B isn't offered, and:

  • (a) Records and referral, at any time. This service takes the place of Part A (sections 5.1 to 5.3, including the emergency steps). You can use it whenever you like, whether or not anything has been recorded against the home. Within 10 business days after you ask (2 business days if you tell us a sale, loan, eviction or court deadline is less than 10 days away), we send you, your attorney, and anyone else you name in writing, such as the police or a district attorney, the records listed in section 5.1(f), shared on the terms there. We also give you our current list of independent attorneys licensed in the Protected Home's state who handle forged-document and false-lien cases. No attorney pays us to be on the list. You choose, hire and pay any attorney yourself, except under (b). We don't help with reports or forms, notify the county or anyone else, arrange an attorney or run the case. Wherever this Promise says we do those things or finish the Restoration (including the short version and sections 4.5 and 11.2), for these homes it means only what this section says.
  • (b) Our mistakes. Part C applies in full. When you make a Restoration Request, we acknowledge it within 2 business days and tell you whether Part C applies within 20 business days after we have what we need under section 11.2. If Part C applies, Part A and sections 6.1 to 6.4 and 6.6 also apply to that Fraudulent Filing.
  • (c) Refund. The refund in section 10.1 applies only when Part C applies.

15.4 Iowa. Where this section applies, Part B isn't offered. Parts A, C and D apply in full. Our Part A work costs you nothing, but you hire and pay the attorney and other providers yourself, unless Part C applies. When section 5.1(e) says we arrange a panel attorney, we put you in touch with one who has agreed to take the case at their panel rate, which you pay.

15.5 Changes to this section.

  • (a) If we choose to add a state or a case to section 15.2, we tell the members it affects at least 30 days before their next renewal, and the change starts at that renewal. They can cancel before then without being charged.
  • (b) If a law, or an order of a court or government agency, requires us to stop or limit Part B (or any other part of this Promise) in a state sooner than (a) allows, we stop or limit it only as far as required, from the date required, and we update this section. Unless the law or order requires otherwise, members it affects keep Part B until the end of their current paid period. We tell them in writing within 10 days, or sooner if the order says so, and any of them can cancel and get back the unused part of their current period's fee. If the change starts at a renewal we couldn't give 30 days' notice of, they can instead cancel within 30 days after our notice and get back that renewal's full fee.
  • (c) A change never takes away any part of this Promise, including Part B up to its limit in section 6.5, for a Fraudulent Filing recorded before the change took effect, including one reported later under section 4.4, unless a law or order forbids it. If it does, we refund all the membership fees paid for that home as if section 10.1 applied, and we keep providing every other part of this Promise that the law or order allows.
  • (d) If we remove a state or a case from section 15.2, the full Promise applies to Fraudulent Filings recorded on or after the date we announce it.
  • (e) This section, not section 18.1, governs changes to section 15.

16. Disagreements

16.1 Tell us first. If you disagree with a decision we made under this Promise, tell us through the review in section 11.4 or by email to help@stillmyhome.com, and give us 30 days to settle it. The time this takes doesn't count toward any deadline for bringing a claim. If we don't settle it, you can bring your claim in a court in the county where the Protected Home is or where you live. You can always use small claims court for a claim that qualifies there.

16.2 Which law applies. This Promise is governed by the law of the state where the Protected Home is (for a home in the District of Columbia, D.C. law), even if our Terms of Service name another state's law.

16.3 The work doesn't stop. If we accepted your Restoration Request, a disagreement about one cost or step doesn't pause the rest: we keep doing the Part A work and paying the Restoration Costs we don't dispute. If we turned the request down, we still do what section 5.3 says, including giving you copies of our records right away, so your own attorney can act.

16.4 If you're proved right. If our decision to turn down your request or a cost is reversed on review, by an examiner under section 11.5 or in court, section 14.1(a)(3) says what we owe.

16.5 This section controls over the dispute, venue and governing-law rules in the Terms of Service.

17. Transfer and death

17.1 This Promise belongs to you and the Protected Home. It can't be transferred, including to a buyer of the home, except to another owner of record under section 17.3.

17.2 If you die during an active membership, the membership continues until the end of the paid period. Your executor or other legal representative can renew it for your estate, or another owner of record can take it over (section 17.3). Before an executor renews, we ask where they live, and section 15.2 then applies as if they held the membership. If no one does, the membership ends at the end of the paid period, and your estate, executor or heirs can make a Restoration Request within 12 months after that (section 4.4). A disagreement between heirs about who should own the home isn't included, but a forged deed or affidavit of heirship is (section 8.1(e)).

17.3 Another owner can take over. If you die, are no longer an owner of record, cancel the membership, or we end it under section 4.7(a), another owner of record can take over the membership by passing our identity check. If they do this within 90 days, or before the paid period ends if that is later, protection continues without a gap: the protection start date stays the same, and the limits in sections 6.5 and 9.7 don't reset. If section 15.3 or 15.4 applies to the home, we show them what's different and they confirm it, as section 15.2(c) says for paying.

18. Changes to this Promise

18.1 We can change this Promise for future membership periods. We email you about any change at least 30 days before it applies to you, and our email says what is changing and how to cancel. A change that reduces your protection takes effect only at your first renewal that is at least 30 days after we email you, and it never applies to a Fraudulent Filing recorded before it takes effect. If you don't accept a change, you can cancel before that renewal and you won't be charged. If you were charged anyway, ask within 30 days after the charge and we refund that renewal in full. Fraudulent Filings recorded before you cancel stay included under section 4.4. This section and section 15.5 control over the rule about changes in the Terms of Service.

18.2 We can improve this Promise at any time.

18.3 If a law or regulator makes us stop. If a law, or an order of a court or government agency, requires us to stop or reduce any part of this Promise sooner than section 18.1 allows, sections 15.5(b) and (c) apply to that part in the same way.

19. If a law requires a different term

19.1 If federal law, or the law of the state where the Protected Home is or where you live, gives you a right that can't be given up or limited by agreement, and a term of this Promise gives you less, that term is changed only as much as needed to give you that right, and we honor it as changed. This section never reduces what we owe you under this Promise. The rest of the Promise stays in force.

19.2 New Jersey. If you live in New Jersey or the Protected Home is there:

  • (a) New Jersey isn't one of the states named in section 15. For a Protected Home in New Jersey, Parts A, B, C and D all apply in full. If you live in New Jersey and your home is in another state, section 15 applies to it as it does to any home in that state;
  • (b) nothing in sections 7, 14 or 16 limits any right or remedy you have under the New Jersey Consumer Fraud Act or the Truth-in-Consumer Contract, Warranty and Notice Act, including an award of attorney's fees and costs; and
  • (c) we know of no provision of this Promise that is void, unenforceable or inapplicable in New Jersey. If a court decides that one is, section 19.1 applies only to that provision.

20. Contact

Still My Home, Inc. · Mailing address: 82 Nassau St #61542, New York, NY 10038 · help@stillmyhome.com

21. Accessibility and language

21.1 Other formats. At no cost, we provide this Promise, and the summaries, updates and decisions we send you about a Restoration Request, in large print or in an electronic format that works with screen readers. Ask at help@stillmyhome.com or by mail to the address in section 20.

21.2 Help with any step. If a disability makes any step in this Promise hard, such as using the dashboard, reading a form or signing a statement, tell us and we'll help you do it or find another way.

21.3 Language help. If you'd like to talk with us in a language other than English, we arrange a qualified interpreter at no cost whenever you talk with us, including to go through any update or decision we send you. Interpreters your attorney needs are Restoration Costs under section 6.1(i).

21.4 Translations. If we advertise in a language other than English, we publish this Promise in that language too. If a translation and the English version differ, you may rely on whichever is more favorable to you. The exceptions are the limits in sections 6.5 and 9.7 and the rules in section 15, which always apply as written in English. If a translation got one of those wrong, you can cancel, and we refund all the membership fees paid for that home.

Appendix: details for a Restoration Request

  1. Your name, account email and phone, and whether you hold the membership or own the home with the account holder.
  2. The Protected Home's address and county, and our notice number if it's recorded.
  3. How and when you found out (Discovery).
  4. The document: county instrument or book and page number, recording date, and type (deed, mortgage, lien, other), if you know them.
  5. Who you think did it, if you know, and whether they're related to you, live with you or own the home with you.
  6. Police report number and agency; or, if the police wouldn't take a report, when and where you tried and the other report you made (section 11.2); or "not yet, please help" (not for homes under section 15.3).
  7. Is a sale, loan, eviction or court date coming up in the next 10 days? Has anyone (a lender, buyer or title company) contacted you? Has anyone moved into the home?
  8. Do you have an owner's title insurance policy? The insurer and policy number, if you know them.
  9. Do you want a panel attorney or your own attorney? (Not for homes under section 15.3.)
  10. A signed statement: "I did not sign or authorize this document, and the information I gave is true." If you are acting for an owner: "As far as I know, [owner's name] did not sign or authorize this document, and the information I gave is true." If you signed it because of a threat (section 2.6(d)), while a guardian or conservator was in charge (section 2.6(e)), or because our staff or messages deceived or pressured you (section 9.5(d)): a statement of how it happened.
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