Terms of Service

By using realestatecalc (the "Service"), you agree to these Terms. If you don't agree, don't use the Service. We may update these Terms; continued use after an update is acceptance of the new version.

realestatecalc provides free real estate financial calculators (cap rate, mortgage, cash-on-cash return, DSCR, rent vs. buy, and others) plus an optional one-time AI-generated "verdict" report for $19.

The free calculators run entirely in your browser. The AI verdict is generated by Anthropic's Claude model against your inputs and current federal data (FRED, BLS, Census) and delivered as an on-page report plus a downloadable PDF.

Every output of the Service — including the AI verdict — is informational only. It is not financial advice, not legal advice, not tax advice, and not a recommendation to buy, sell, or hold any real estate. Real estate purchases involve risks the Service cannot model: micro-market dynamics, condition of the property, lender-specific underwriting, your personal financial situation, and macroeconomic shifts. You are solely responsible for any decision you make.

For a real decision, consult a licensed real estate agent, a mortgage broker, a CPA, and an attorney as appropriate.

You may create an account to save scenarios and access purchase history. You're responsible for keeping your login credentials safe and for any activity under your account. We may suspend or terminate accounts that show signs of automated scraping, payment fraud, or abuse — see Section 7.

The AI verdict is a one-time $19 USD charge per report. There is no subscription, no recurring billing, and no automatic upgrade. Payments are processed by Stripe; we never see your full card number.

Refund policy: if you're not satisfied with an AI verdict, email us within 7 days of purchase at hi@realestatecalc.com for a full refund — provided you have not yet downloaded the PDF version of the report. Once the PDF is downloaded the report is considered delivered.

Chargebacks: if you dispute a charge with your card issuer instead of contacting us first, we may suspend your account pending resolution.

We own the calculators, the formulas' implementation, the UI design, the brand, and the Service code. You may use the Service for personal evaluation of properties you're considering. You may share the PDF AI report with your agent, your lender, your accountant, or your attorney as part of evaluating a specific deal.

You may not: scrape the site, republish the calculators on another site, white-label the Service to clients without a written agreement, or claim our outputs as your own analysis.

You own the inputs you enter. We do not claim any rights to the property prices, rents, or assumptions you provide.

You agree not to:

• Use automated scripts, scrapers, or bots to access the calculators or the AI verdict endpoint.
• Attempt to reverse-engineer the AI verdict prompt or extract the underlying model behavior.
• Resell, redistribute, or rebrand the Service.
• Use the Service to harass, defame, or harm any person.
• Submit fraudulent payment information, file false chargebacks, or attempt to obtain refunds for delivered reports.

We reserve the right to suspend or terminate accounts that violate this section.

The Service is provided "as is" and "as available". We do not warrant that calculations will be uninterrupted, error-free, or applicable to your specific property. Mortgage rates, property tax medians, and rent CPI all change — the defaults in the calculators reflect the most recent values pulled from public federal sources, but markets move faster than dataset publication schedules.

We make no representation that the AI verdict will accurately predict the financial performance of any specific property.

To the maximum extent permitted by law, our total liability to you for any claim arising out of or relating to the Service is capped at the amount you paid us in the 12 months preceding the claim — which for most users is the one-time $19 AI report fee, or $0 if you used only free calculators.

We are not liable for indirect, incidental, consequential, or punitive damages, including lost profits, loss of property opportunity, or differences between projected and actual returns.

You may stop using the Service or delete your account at any time by emailing hi@realestatecalc.com. We may suspend or terminate your access for violation of these Terms, for abusive use of the Service, or to comply with legal process. We will refund any unused prepaid balance on termination.

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict of law principles. Disputes arising out of or relating to the Service are subject to the exclusive jurisdiction of the state and federal courts located in Delaware.

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes will be communicated via email to account holders or via a banner on the site. Continued use after the effective date is acceptance of the updated Terms.

For questions about these Terms, refund requests, or any other legal matter, email hi@realestatecalc.com.