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1. Acceptance of Terms

By accessing and using the Rent vs Buy Calculator (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Our Service provides a financial calculator that helps users compare the costs of renting versus buying a home based on user-provided inputs. The calculator considers factors such as:

• Home purchase price and down payment
• Mortgage terms and interest rates
• Property taxes, insurance, and maintenance costs
• Current rental costs
• Investment return assumptions
• Tax benefits and implications

3. No Financial Advice

The Service provides general information and calculations only. We are not licensed financial advisors, real estate professionals, or tax experts. The results generated by our calculator:

• Should not be considered professional financial advice
• Are based on simplified assumptions and may not reflect real-world scenarios
• Do not account for personal circumstances, local market conditions, or future economic changes
• Should be supplemented with advice from qualified professionals

4. Accuracy and Limitations

While we strive to provide accurate calculations, our Service has limitations:

• Simplified Model: Real estate costs are complex and vary significantly by location and individual circumstances
• Assumptions: The calculator uses standard assumptions that may not apply to your situation
• Market Changes: Interest rates, property values, and tax laws change over time
• Individual Factors: Personal credit scores, debt levels, and financial goals are not considered

5. User Responsibilities

As a user of the Service, you agree to:

• Provide accurate information when using the calculator
• Use the results as one factor among many in your decision-making process
• Consult with qualified professionals before making significant financial decisions
• Not rely solely on our calculator for real estate or investment decisions
• Use the Service in compliance with all applicable laws

6. Prohibited Uses

You may not use the Service for:

• Commercial purposes without our written consent
• Providing financial advice to others based solely on our calculator
• Any illegal or unauthorized purpose
• Attempting to damage, disable, or impair the Service
• Uploading malicious code or conducting security attacks

7. Intellectual Property

The Service, including its design, code, algorithms, and content, is owned by Hera LLC and is protected by copyright and other intellectual property laws. You may use the Service for personal, non-commercial purposes only.

8. Privacy and Data Collection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information when you use the Service.

9. Disclaimers and Limitation of Liability

Service Provided "As Is"

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

No Warranties

We disclaim all warranties, including but not limited to:

• Accuracy or completeness of calculations
• Fitness for any particular purpose
• Uninterrupted or error-free service
• Security of data transmission

Limitation of Liability

In no event shall Hera LLC be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to financial losses resulting from decisions made based on our calculator results.

10. Indemnification

You agree to defend, indemnify, and hold harmless Hera LLC from and against any claims, damages, costs, and expenses arising from your use of the Service or violation of these Terms.

11. Third-Party Services

Our Service may contain links to or integrate with third-party services:

• Google AdSense: For displaying advertisements
• Netlify: For form processing and hosting

These third-party services have their own terms and privacy policies, and we are not responsible for their practices or content.

12. Changes to Service

We reserve the right to:

• Modify or discontinue the Service at any time
• Update calculation methods or assumptions
• Change these Terms of Use with notice
• Limit access to the Service

13. Termination

We may terminate or suspend your access to the Service at any time, without prior notice or liability, for any reason whatsoever, including if you breach these Terms.

14. Governing Law

These Terms shall be governed and construed in accordance with the laws of California, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of California, United States.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.