Terms of Use & Disclaimer

1. Acceptance of Terms

These Terms of Use and Comprehensive Legal Disclaimer (collectively, the "Terms") govern your access to and use of the RE-Invest software application and any related websites, content, tools, or services (collectively, the "Service") provided by the operator of RE-Invest ("we," "our," or "us"). By accessing or using the Service, you ("you" or "User") represent and warrant that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree, you must not access or use the Service.

2. Nature of the Service

The Service is a self-directed informational and computational tool that provides estimates, projections, and analytical outputs related to residential real-estate investment. The Service performs calculations using user-supplied inputs and publicly available reference data, applying simplified models of United States federal and state tax law. The Service is intended solely for the personal, non-commercial research and informational purposes of the User.

3. No Professional Relationship; No Fiduciary Duty

The Service does not, and is not intended to, create any professional, fiduciary, agency, advisory, accounting, attorney- client, broker-customer, or other special relationship between you and us. We are not a Certified Public Accountant (CPA), Enrolled Agent (EA), tax-return preparer under Internal Revenue Code §7701(a)(36), attorney, registered investment adviser ("RIA") under the Investment Advisers Act of 1940, broker-dealer, financial planner, fiduciary, or any other licensed financial, legal, or tax professional. Use of the Service does not entitle you to any duty of care, loyalty, confidentiality, or competence that would arise in a professional engagement.

4. No Tax Advice; IRS Circular 230 Notice

Nothing in or generated by the Service constitutes tax advice, tax-return preparation, or a "covered opinion" within the meaning of Treasury Department Circular No. 230. To the extent any portion of the Service's output addresses any United States federal tax matter, that output (a) is not intended or written by us to be used, and cannot be used by you, for the purpose of avoiding penalties that may be imposed on you under the Internal Revenue Code; (b) was not written to support the promotion or marketing of any transaction or matter addressed; and (c) should not be relied upon as a substitute for advice from a qualified tax professional retained directly by you, who has reviewed your full facts and circumstances.

Tax computations performed by the Service apply simplified models and approximations, including but not limited to: top-marginal state tax rates rather than progressive bracket calculations; assumed conformity or non-conformity to federal bonus depreciation; generalized passive-loss, REPS, STR-loophole, NIIT, QBI, and §1031 treatments; and conservative defaults regarding §469(i)(5), §280A(d), and similar elective provisions. These models do not replicate the full computational logic of any tax-return preparation software or filed tax return.

5. No Investment Advice; No Solicitation

Nothing in or generated by the Service constitutes (a) investment advice or a recommendation to purchase, sell, hold, finance, or refinance any real-estate asset or other investment; (b) an offer or solicitation to buy or sell any security; (c) a recommendation to engage in any specific tax-planning, structuring, or financing strategy; or (d) financial-planning, retirement-planning, or insurance advice. Internal Rate of Return (IRR), cash-flow, appreciation, after-tax return, and similar projections are illustrative scenarios computed from user inputs and assumed growth rates. They are not predictions of actual investment performance and do not constitute a "performance presentation" under any regulatory framework. Past simulated results do not guarantee future returns.

6. Information Currency and Accuracy

Tax brackets, statutory thresholds, depreciation schedules, state conformity rules, and similar reference data embedded in the Service are based on our understanding of applicable law as of the effective date stated above. Tax law, administrative guidance, and state regulations change frequently and may have changed since the Service was last updated. We make no representation that any figure, rate, threshold, formula, or rule embodied in the Service remains current at the time of your use, and we have no obligation to update the Service in response to legislative, regulatory, or judicial developments.

7. User-Provided Inputs; Garbage In, Garbage Out

The accuracy of any output generated by the Service is dependent on the accuracy and completeness of the inputs you provide, including but not limited to property purchase price, financing terms, rental income, operating expenses, depreciation assumptions, hours of material participation, real-estate- professional hours, filing status, modified adjusted gross income ("MAGI"), spouse income, state of residence, and elective designations. You are solely responsible for the accuracy, completeness, and legal sufficiency of the inputs you supply. Inaccurate inputs will produce inaccurate outputs.

8. Third-Party Data Sources

The Service may incorporate or reference data from third-party sources, including but not limited to RentCast, the U.S. Department of Housing and Urban Development (HUD) Fair Market Rent dataset, public tax assessor records, and listing aggregators. Such data is provided to you "as supplied" by those third parties. We do not control, verify, or assume responsibility for the accuracy, completeness, or timeliness of third-party data, and inclusion of such data does not constitute endorsement of, or affiliation with, any data source. Third-party data may be subject to separate terms imposed by the source.

9. Forward-Looking Statements

Any output of the Service that describes anticipated rents, property appreciation, expense growth, holding-period returns, mortgage amortization beyond the current period, depreciation recapture at hypothetical sale, after-tax exit proceeds, or similar projections constitutes a "forward-looking statement." Forward-looking statements are based on assumptions that may not materialize and are subject to numerous risks and uncertainties, including but not limited to changes in tax law, interest rates, local rental markets, occupancy, casualty events, regulatory actions, and macroeconomic conditions. Actual results may differ materially from any projection.

10. Disclaimer of Warranties

THE SERVICE AND ALL OUTPUTS, DATA, CALCULATIONS, AND CONTENT MADE AVAILABLE THROUGH THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, OR SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, INVESTMENT VALUE, TAX BENEFITS, OR OPPORTUNITY COSTS, ARISING OUT OF OR RELATING TO (A) YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICE; (B) ANY OUTPUT, ESTIMATE, OR PROJECTION GENERATED BY THE SERVICE; (C) ANY DECISION OR ACTION YOU TAKE OR FAIL TO TAKE IN RELIANCE ON THE SERVICE; (D) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR INPUTS OR OUTPUTS; OR (E) ANY OTHER MATTER RELATING TO THE SERVICE, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT, IF ANY, YOU HAVE PAID US TO USE THE SERVICE IN THE PRECEDING TWELVE MONTHS, WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless us and our affiliates, officers, directors, employees, agents, contractors, licensors, and suppliers from and against any and all claims, demands, actions, suits, proceedings, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use of the Service; (b) your reliance on any output of the Service in making any tax, financial, investment, or other decision; (c) your violation of these Terms; (d) your violation of any applicable law, rule, or regulation; or (e) your violation of any right of any third party.

13. Eligibility

You represent and warrant that you are at least eighteen (18) years of age, are legally capable of entering into a binding contract, and are not barred from using the Service under applicable law. The Service is intended for users located in the United States. We make no representation that the Service is appropriate or available for use in any other jurisdiction.

14. Modifications to the Service and to These Terms

We reserve the right, at our sole discretion and at any time, to modify, suspend, or discontinue the Service (or any portion or feature thereof) with or without notice. We also reserve the right to modify these Terms at any time by posting a revised version. Material changes may, at our discretion, be communicated through an updated "Effective date" and may require you to re- acknowledge the disclaimer before continuing to use the Service. Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of those Terms.

15. Governing Law; Venue

These Terms and any dispute arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

16. Severability; Waiver; Entire Agreement

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms, together with any policies referenced herein, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements, understandings, or communications regarding the same subject matter.

17. Contact

Questions, comments, or notices regarding these Terms may be directed to the Service operator. Notice given to a User shall be effective when posted within the Service or sent to the email address associated with the User's account.