Terms and Conditions
Effective October 29, 2026
Effective date: October 29, 2026
Last updated: October 29, 2026
Legal business name: MPI Build, Inc.
Website: mpibuild.com
Mailing address: 2835 Sebastopol Road, Santa Rosa, CA 95407
Support and legal notices: admin@mpibuild.com
Privacy Policy: https://www.mpibuild.com/privacy
1. Agreement and scope
These Terms and Conditions ("Terms") govern your use of the MPI Build website, accounts, estimate-request services, reports, guides, templates, and related tools that link to these Terms (the "Services"). The legal business named above operates the Services and is referred to as "MPI," "we," "us," or "our."
When you create an account, purchase a report, submit a bid for grading, check the acceptance box, or otherwise expressly accept these Terms, you agree to them. Viewing the website alone is not acceptance of these Terms. The site-use rules in Section 12 still apply to every visitor, as that section explains. If you act for a business or another person, you must have authority to accept these Terms for that party. If you do not agree, do not create an account or purchase or use the Services.
MPI is built on construction cost data. Construction information in anything you submit, including estimates, bids, scopes, prices, quantities, and schedules, will be used to build and maintain MPI's cost database and to create deidentified estimates, benchmarks, datasets, and other products MPI provides or licenses to others ("MPI Output," defined in Section 9.3). The report you order identifies your property and is delivered to you, not released as MPI Output. MPI does not sell your personal information. Section 9 explains this. If you do not agree, do not submit information to MPI.
A separate written agreement signed by MPI governs any services that agreement covers, and it prevails over these Terms where they conflict. Expert reports, site inspections, and testimony are covered only by a signed engagement. Our Privacy Policy explains our information practices. If these Terms and the Privacy Policy conflict on how MPI handles personal information, the Privacy Policy controls. Accepting these Terms does not waive a privacy right or replace a consent the law requires.
2. Eligibility and account security
You must be at least 18 years old and able to enter this agreement. Provide accurate registration information and keep your email current.
Protect your password. Do not share your login with a person who is not authorized to use your account. Notify MPI promptly if you suspect unauthorized access. You are responsible for activity you authorize through your account. You are not responsible for a security failure attributable to MPI.
A builder or other representative must have permission to submit property information and to act for the owner. Creating a builder account does not verify a license or certify a qualification.
3. What MPI provides
MPI helps homeowners and builders organize property information and obtain a rebuild or build cost estimate. The Services may use questionnaires, uploaded records, comparable construction data, automated calculations, AI-assisted classification, and review by MPI's estimating team.
A report described as reviewed has been reviewed by MPI's estimating team before it is released. Unless a site visit is separately agreed in writing, the report is a desk estimate prepared from the information and photographs you provide. It is not based on a site inspection.
Guides, checklists, and templates are general information. The scope of a paid service is the scope described when you order it. Site inspections, engineering, testimony, and other professional services are included only if MPI agrees to them in a separate written engagement.
When MPI offers its bid-grading tool, anyone 18 or older may submit a bid for grading, with or without an account. Before you submit a bid, you must accept these Terms, which include the Construction Data license in Section 9.1. A bid grade is an automated comparison of a bid's price to comparable projects. A person may not review it before you see it, unless MPI says so. A bid grade is not an MPI estimate, a rating of a builder or a person, or advice to accept or reject a bid. MPI does not publish bid grades. Section 4 applies to bid grades as it does to estimates.
MPI does not negotiate, adjust, or settle insurance claims on anyone's behalf.
MPI does not bid on or perform the reconstruction of a property it has estimated under these Terms.
4. Estimates and professional decisions
An MPI estimate is a cost estimate based on the inputs, assumptions, reference data, and conditions at the time it is prepared. It is not a builder's bid, a construction contract, an appraisal, or a determination of insurance coverage. It does not include contents, additional living expense, actual cash value, depreciation, or policy limits. Actual costs may differ because of site conditions, permitting, design changes, labor and material prices, code requirements, and other factors.
MPI does not guarantee an insurer's acceptance, a claim payment, a settlement, lender approval, a permit, a schedule, or any outcome in a dispute. AI-assisted processing and human review can both produce errors. Review the report and tell MPI about an inaccurate input or an omission before you rely on it.
Using the Services does not create an attorney-client, public-adjuster, engineering, architectural, fiduciary, or construction-management relationship, unless a separate written engagement says so. Consult a qualified professional on coverage, legal rights, structural safety, permits, financing, contracts, and construction. Meet claim, appeal, and permit deadlines on your own. MPI's work does not extend them.
MPI may introduce you to a builder. MPI does not guarantee the builder's work, price, license, or availability. A builder MPI introduces may provide construction data to MPI, such as build documents, estimates, invoices, and contracts, under a data-sharing arrangement in exchange for client referrals. MPI does not pay referral fees and does not receive them. MPI discloses this relationship when it makes the introduction. MPI gives a builder your contact details and project information only when you ask for or agree to the introduction. MPI does not give builders customer information as part of the data-sharing arrangement. Data a builder provides is handled as described in Section 9.
5. Requests and customer information
You are responsible for information that is accurate and complete to the best of your knowledge. Mark an uncertain answer as uncertain. Tell MPI if material information changes after you submit it.
Submit only information and documents you have the right to provide. This includes permission from the property owner, the client, and any other party where it is required. Do not submit a document that violates a confidentiality obligation, or that contains personal information unrelated to the project.
If you submit an estimate or other document prepared by someone else, you represent that you have the right to submit it and that doing so does not violate a confidentiality obligation you owe.
MPI may ask for clarification, decline a request it cannot support, or pause while information is missing. A stated completion time is a target unless MPI commits to a deadline in writing. The current target for a paid online estimate is 2 to 3 business days after payment and a complete intake.
6. Prices and payment
The online estimate is a one-time fee for each request. The price, any discount, and the total are shown before you authorize payment. There is no subscription for that purchase.
Payment is required before MPI starts the review: paying is what submits your request. You authorize the charge shown at checkout when you complete the purchase. Stripe processes the payment through its hosted checkout. MPI may receive payment status, a transaction identifier, the amount, any discount, refund information, a receipt, the name, email, and billing details you enter at checkout, and the card brand and last four digits. MPI does not receive your full card number or security code. Do not send card details to MPI by email or in an upload.
Any required tax or mandatory fee is disclosed before payment. MPI will not add an undisclosed mandatory charge after the purchase. A later price change applies only to a future purchase.
7. Cancellations, refunds, and corrections
You may stop before you pay, and you will not be charged. After you pay, contact MPI if you need to cancel. Work already completed is not reversible.
MPI will refund the fee if it does not deliver the purchased report, unless you agree to an alternative.
If you believe the delivered report contains a material error in a number MPI controlled, such as the wrong living area applied or a required section missing, notify MPI within 30 days of delivery, with your account email and the transaction reference. If MPI confirms the error, MPI will correct the report or refund the fee for that report. A difference between MPI's estimate and an insurer's number, a builder's bid, or another estimator's figure is not an error and is not a ground for a refund.
After 30 days from delivery, a delivered report is not refundable, except where the law requires otherwise. A refund does not by itself revoke access to a report already delivered. These Terms do not limit a refund, cancellation, or other remedy the law requires.
8. Your submissions
You keep your ownership rights in the documents, photographs, answers, and other material you submit ("Customer Material"). Submitting it does not transfer ownership to MPI.
You grant MPI a nonexclusive permission to receive, store, copy, extract information from, analyze, and use Customer Material to provide the Services you request, review the estimate, communicate with you, keep supporting records, and meet legal obligations. As described in the Privacy Policy, MPI may also use Customer Material to secure the Services, prevent fraud, improve the Services, and establish, exercise, or defend legal claims. MPI may allow its personnel and service providers to do those things for MPI, subject to the Privacy Policy.
MPI will not publish your uploaded documents, or use your name or project in advertising, without your separate written permission. Use of construction information in the cost database is covered in Section 9.
9. Cost database and deidentification
9.1 License. "Construction Data" means the estimate, bid, scope, cost, pricing, quantity, material, labor, schedule, and other construction information in anything you submit, whether to request an estimate, to have one reviewed, as a builder reference, or while using an MPI tool. You grant MPI a perpetual, irrevocable, worldwide, royalty-free, nonexclusive license to extract, deidentify, analyze, compare, aggregate, and use Construction Data to build, verify, and improve MPI's cost database, to prepare estimates and reports for MPI's customers, and to create, sell, and license MPI Output (defined in Section 9.3) from that database. This license survives closure of your account.
MPI uses Construction Data in figures drawn from other people's projects, and in MPI Output, only in deidentified form. Inside MPI's systems, the cost database stays linked to the source records, including each project's location, so that MPI can select comparable projects near a property and document how an estimate was produced. Before Construction Data from one person's project appears in anything MPI shows or provides to someone else, MPI removes names, contact information, street addresses, coordinates, and claim and policy numbers, and generalizes location to ZIP code or broader. Until Construction Data is deidentified, it is handled as personal information, and a deletion request under the Privacy Policy applies to it. The license continues for deidentified Construction Data.
You agree to this Construction Data license when you accept these Terms. It covers every user, homeowners and bid-grading users included, and every upload, including a builder's reference estimates, bids, and invoices. The license continues after your account closes.
9.2 Source records. MPI retains the original documents and source records you submit. Those records may include names, street addresses, and coordinates. They are used to process the submission, document how an estimate was produced, and meet legal obligations. As described in the Privacy Policy, they are also used to secure the Services, prevent fraud, improve the Services, and establish, exercise, or defend legal claims. MPI may preserve and disclose source records and other information when required by subpoena, court order, or other legal process, or to protect its legal rights. MPI keeps source records only for as long as needed for these purposes and for legal record-keeping, as described in the Privacy Policy. MPI may suspend deletion while a legal hold applies. Source records are personal information. They are not deidentified. Except for a disclosure this Section 9.2 allows, access is limited to authorized MPI personnel and service providers acting for MPI. A deletion request under the Privacy Policy applies to source records, subject to legal exceptions. It does not require MPI to remove deidentified Construction Data already in the cost database.
9.3 Deidentified output. "MPI Output" means the deidentified estimates, benchmarks, datasets, and other products MPI provides or licenses to anyone other than the customer who requested the report for that property. MPI Output is prepared from deidentified information. It does not include names, contact information, street addresses, coordinates, claim or policy numbers, or original source documents, and it does not report location more precisely than ZIP code. MPI takes reasonable measures so that MPI Output cannot reasonably be used to identify a particular person or household. MPI releases location-level figures only when they aggregate at least 3 comparable projects. MPI suppresses or generalizes rare or distinctive features that could single out one property. MPI reviews small ZIP codes and disaster areas for reidentification risk before it releases figures for them.
The report MPI delivers to the customer who requested it identifies that customer's property, including its address. That report, and any copy shared at the customer's direction, is not MPI Output. Figures in that report drawn from other people's Construction Data are deidentified in the same way as MPI Output.
9.4 No reidentification. MPI publicly commits to maintain and use deidentified Construction Data and MPI Output in deidentified form and will not attempt to reidentify it, except to test whether the deidentification process is working.
9.5 Recipients. Every person or business that receives MPI Output agrees not to reidentify or attempt to reidentify a person or household from it, not to combine it with other information for that purpose, and to require the same of anyone it further discloses the output to. MPI includes these obligations in every agreement under which it licenses or discloses deidentified data.
9.6 No sale of personal information. MPI does not sell personal information. Apart from delivering a report to the customer who requested it, MPI sells and licenses only deidentified MPI Output.
9.7 A separate written contributor or data agreement signed by MPI controls the contribution, use, and retention of the material it covers.
9.8 Expert work and legal process. Information MPI receives under a separate expert, consulting, or litigation engagement is governed by that engagement and any protective order. MPI does not add it to the cost database unless the engagement permits it. MPI and its personnel may rely on deidentified Construction Data and MPI Output in expert or consulting work. MPI does not use your identifiable source records in a matter for another party unless you agree or legal process requires it. A court or other legal process may require MPI to produce the data behind an opinion, including comparable-project data and source records. If that happens, MPI will seek a protective order, confidentiality treatment, or redaction where reasonably available.
10. Reports, guides, and intellectual property
MPI and its licensors keep the rights in the software, website, report formats, methodology, guides, templates, and other material MPI creates, subject to your rights in Customer Material and to applicable law.
For a report MPI releases to you, MPI grants you a nonexclusive license to download, keep, and use the report for the identified property, and to share it with your insurer, lender, builder, advisers, and other parties for that project. Keep the qualifications, assumptions, and notices with the report. Do not alter a report and present the altered version as MPI's original, or claim MPI endorsed a change it did not approve.
You may use MPI guides and templates for your own project or internal work, including sharing a completed copy with project participants. You may not resell them, publish them as your own product, or distribute MPI's software or reference database without permission.
You may send suggestions. MPI may use them to improve the Services without payment. That permission does not authorize public disclosure of your identity, private correspondence, or Customer Material.
11. Sharing and outside services
You choose who you share your report with, and you must have authority to disclose what it contains. If MPI sends information to someone at your direction, confirm the recipient and the scope. A recipient may keep or forward a copy. Copies outside MPI's systems may not be retrievable.
Outside websites, payment services, and advisers have their own terms. MPI does not control them. These Terms do not create an engagement with a recipient, or give a recipient an independent right to enforce MPI's obligations, unless expressly agreed.
A report is prepared for the customer who ordered it. Insurers, lenders, builders, and other recipients receive it for information only. Receiving a report does not give a recipient a warranty, a duty owed by MPI, or a right to rely on it as if the recipient had engaged MPI, unless MPI agrees otherwise in a signed engagement with that recipient.
12. Acceptable use
The rules in this Section 12, including the limits on automated access and scraping, are conditions of access to the website and the Services. They apply to anyone who visits or accesses the website, whether or not that person has an account or has accepted the rest of these Terms.
Do not use the Services to submit a knowingly false claim or fabricated evidence, infringe another person's rights, disclose information unlawfully, harass others, upload a malicious file, bypass access or payment controls, access another account, or extract restricted reference records.
Do not attempt to reidentify a person or household from MPI Output. Do not reverse engineer, decompile, or use the Services, a report, or MPI Output to build or train a competing product or database.
Do not overload or disrupt the Services. Automated access requires MPI's permission unless the law permits it. Nothing in these Terms prevents lawful reporting to a regulator, a protected consumer review, or security research the law protects.
13. Changes, suspension, and account closure
MPI may maintain or change features, and may suspend access to address a security risk, unlawful activity, misuse, or a material breach. Where practical, MPI will explain the issue and allow a chance to resolve it. Urgent security or legal action may occur without advance notice.
You may request account closure at the contact email above. Closing an account does not erase every record, and it does not affect copies shared outside MPI. The Privacy Policy describes retention and privacy requests.
If MPI permanently stops a paid service before delivering what you purchased, Section 7 applies. Keep downloaded copies of reports you need. Provisions on payment already incurred, intellectual property, the license and obligations in Section 9, lawful record retention, liability, and dispute resolution survive closure to the extent necessary.
14. Warranties and liability
MPI will provide a purchased Service with reasonable care consistent with the agreed scope. Except for an express commitment in these Terms or a separate engagement, and to the extent the law permits, MPI does not warrant that the Services will be uninterrupted, free of every error, or suitable for a purpose you did not disclose.
To the extent the law permits, MPI is not liable for indirect or consequential losses, including lost business or anticipated profits, arising from use of the Services. MPI's total liability for claims arising from the Services is limited to the greater of $100 or the fees you paid MPI for the affected Services during the 12 months before the event giving rise to the claim.
These limits do not apply where the law prohibits them, including liability for fraud, willful misconduct, or gross negligence, or any liability that cannot lawfully be limited. They do not restrict a mandatory consumer remedy or a privacy right. In a jurisdiction that does not permit a limit, the limit applies only to the extent allowed.
15. Claims involving business submissions
If you use the Services for a business, you agree to defend and indemnify MPI against a third-party claim to the extent caused by your knowing submission of material you had no right to provide, your infringement of another party's rights, or your unlawful use of the Services. This section does not apply to an individual using the Services for personal or household purposes.
MPI must give prompt notice of a claim, allow you to control a reasonable defense with qualified counsel, and reasonably cooperate. You may not settle a claim in a way that admits fault by MPI or imposes an obligation on MPI without MPI's written consent. You have no responsibility under this section for a claim caused by MPI's own misconduct or breach.
16. Governing law and disputes
These Terms are governed by the law of the State of California, without its conflict-of-law rules. Subject to mandatory consumer law, the state courts in Sonoma County, California have jurisdiction. Where the law permits or requires a consumer to bring a claim elsewhere, the consumer may do so.
Contact MPI to try to resolve a concern informally when practical. Doing so is voluntary. It does not delay a legal deadline, prevent a small-claims filing, or restrict a complaint to a regulator. These Terms do not require arbitration and do not waive class-action rights.
17. Updates and general provisions
MPI may revise these Terms for future use. The updated Terms will show a new effective date. MPI will give reasonable notice of a material change through the website, email, or an account notice, and will obtain renewed acceptance where required. A change does not alter a completed purchase or an existing dispute without your agreement.
If a provision is unenforceable, the rest continue where lawful. A failure to enforce a provision is not a waiver. These Terms and any applicable separate written agreement are the agreement on their subject. MPI may transfer the agreement as part of a lawful reorganization or sale, provided the transfer does not reduce an obligation owed to you.
MPI stores the version of these Terms you accepted, and the date, when you register and each time you accept an updated version.
18. Contact
For support, billing, report questions, or legal notices, use admin@mpibuild.com or the mailing address at the top of these Terms.