Terms of Use
Last updated: [date you publish this]
1. Acceptance
By downloading or using the app you agree to these terms. If you do not agree, please do not use it.
2. License
You are granted a personal, non-exclusive, non-transferable, revocable license to use the app on Apple devices you own or control, as permitted by the App Store Terms of Service. You may not reverse engineer, resell, or redistribute the app except as that license allows.
3. Not financial advice
The app is an educational calculator. It models a hypothetical comparison using figures you enter and assumptions you choose. It does not know your circumstances, and it does not recommend a course of action. Nothing it displays constitutes financial, investment, tax, accounting, or legal advice. Consult a qualified professional before making a housing or investment decision.
4. Accuracy and assumptions
Projections depend entirely on assumptions about the future — appreciation, investment returns, inflation, rent growth, and tax law. All of these are uncertain and none of them are guaranteed. Built-in tax figures are approximations that change from year to year and may be out of date. You are responsible for verifying every input and for the decisions you make.
5. No warranty
The app is provided "as is" and "as available", without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.
6. Limitation of liability
To the fullest extent permitted by law, [Your Name or Company] shall not be liable for any indirect, incidental, special, consequential, or exemplary damages, or for any financial loss, arising from your use of or reliance on the app. Some jurisdictions do not allow these exclusions, in which case they apply only to the extent permitted.
7. Your data
The app stores your scenarios on your device and transmits nothing. See the privacy policy.
8. Changes
These terms may be updated as the app changes. Continued use after an update constitutes acceptance of the revised terms.
9. Governing law
These terms are governed by the laws of [your state / country], without regard to conflict-of-law principles.