One account-level agreement covers every note on the platform. Version 2026-07-05.
This page is a reference copy of the agreement, provided so you can read it before (or after) you accept — it is not legal advice. There is nothing to sign here: you'll be asked to accept with one click the first time you open a note's private details.
How it works
Instead of a separate NDA for every listing, Note Central uses one confidentiality agreement per account. Accept it once and full detail on every active note — the exact street address and the seller's uploaded diligence documents — unlocks for your account. It replaces the per-listing NDAs the platform previously used.
Acceptance happens in-flow on listing pages: the first time you open a note's private section, you'll verify your identity (a one-time government-ID check handled by Stripe — Note Central never sees or stores your document), then see the agreement with an “I agree” button. One click is your electronic signature — we record the agreement version, the date and time, and your IP address as evidence — and you never have to do either again.
The short version of what you're agreeing to: keep the non-public information you unlock confidential, use it only to evaluate notes for purchase, and complete deals with counterparties you first met here through the platform — all negotiation and messaging happens on Note Central.
The agreement
NOTE CENTRAL MASTER CONFIDENTIALITY & NON-CIRCUMVENTION AGREEMENT
Version 2026-07-05
1. Who is agreeing
This agreement is between you, the holder of this Note Central account, and Note Central LLC, a North Carolina limited liability company ("Note Central"). You accept it once for your account, and it then covers every listing whose non-public details you view on the platform, now or in the future.
2. What is confidential
"Confidential Information" means the non-public listing information your account can unlock, on any listing. That includes: exact property addresses; borrower names, contact details, payment histories, and any other borrower information; loan, mortgage, title, insurance, tax, servicing, and other diligence documents sellers upload; and a seller's identity where the listing does not show it publicly.
Confidential Information does not include information that: (a) is or becomes publicly available through no fault of yours; (b) you already lawfully had, free of any duty of confidentiality, before seeing it here; (c) you develop independently without using Confidential Information; or (d) you lawfully receive from someone who is free to share it. You may also disclose Confidential Information to the extent a law, regulation, subpoena, or court order requires it, provided you disclose only what is required.
3. What you may do with it
You may use Confidential Information for one purpose: evaluating notes for potential purchase on Note Central. Protect it with at least reasonable care. Do not publish it or share it with anyone except your own professional advisors (for example, an attorney, accountant, or diligence consultant) who need it for that evaluation and who agree to keep it confidential. You remain responsible if someone who received it through you misuses it.
4. Deals stay on the platform (no circumvention)
If you first identified a note, a seller, or a buyer through Note Central, you agree that any purchase or sale of that note with that counterparty will be conducted through Note Central. You will not solicit or negotiate with that counterparty off the platform, and you will not move, or attempt to move, the transaction off the platform to avoid Note Central's platform fees. This section does not restrict your dealings with people or companies you can show you already knew, or were already doing business with, before you found them on Note Central.
5. No warranty, no advice
Listing information is provided by sellers, and Note Central does not verify it. Everything on the platform, including Confidential Information, is provided "as is", with no promise that it is accurate or complete. Note Central is a marketplace, not a party to your transactions, and it is not a broker-dealer, investment adviser, law firm, or accounting firm. Nothing on the platform is investment, legal, tax, or accounting advice. You are responsible for your own independent due diligence before buying any note.
6. How long this lasts
This agreement applies for as long as you hold a Note Central account, and your obligations under it survive for two (2) years after your account closes, however that happens.
7. If this agreement is breached
A breach of this agreement can cause harm that money alone may not fix. If you breach it, Note Central may pursue any remedy available at law or in equity, including injunctive relief and actual damages. This agreement contains no fixed or liquidated damages amount.
8. Governing law
This agreement is governed by the laws of the State of North Carolina, without regard to its conflict-of-laws rules.
9. Accepting this agreement
Clicking "I agree" is your electronic signature on this agreement. Note Central records the agreement version, a fingerprint (hash) of these terms, the date and time, your IP address, and your browser details as evidence of your acceptance. This agreement replaces the separate per-listing NDAs previously used on the platform. If any part of it is found unenforceable, the rest remains in effect.
Note Central LLC, a North Carolina limited liability company