Terms of Use

1. Acceptance of Terms

By accessing or using the RentVsBuyNow website at rent-vs-buy-now.vercel.app (the “Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to update these terms at any time, and your continued use of the Site following any changes constitutes your acceptance of the revised terms.

2. Nature of the Service

RentVsBuyNow provides a rent vs buy calculator, city market data, price-to-rent ratios, breakeven analysis, and related educational content. The Site is designed to help users understand the general financial trade-offs between renting and buying a home.

We are not a real estate brokerage, mortgage lender, financial advisory firm, or licensed financial services provider. Nothing on this Site should be construed as a recommendation, solicitation, or offer to buy, sell, or hold any real estate or financial instrument.

3. Calculator Results Are Estimates Only

The calculator and analytical tools on this Site produce estimates based on inputs you provide and general financial assumptions. These estimates:

• Are based on simplified models that may not reflect your specific situation
• Do not account for your individual tax situation, filing status, or deductions
• Use general assumptions for maintenance costs, insurance, property taxes, and appreciation that may differ significantly from actual costs in your area
• Do not account for HOA fees, special assessments, or neighborhood-specific factors
• Assume constant returns and rates over the projection period, which will not reflect actual market volatility
• Do not consider your personal financial goals, risk tolerance, employment stability, or life circumstances

Actual financial outcomes will differ from calculator estimates. Past performance of home prices or investment returns does not guarantee future results.

4. Accuracy of Market Data

The city data, price-to-rent ratios, median home prices, and rental cost figures on this Site are sourced from publicly available data and are updated periodically. We make reasonable efforts to ensure the accuracy of this data, but we do not guarantee that all information is current, complete, or accurate at all times. Real estate markets change rapidly; always verify current market conditions with local sources, real estate professionals, and lenders before making decisions.

5. No Financial or Real Estate Advice

The content on this Site — including articles, guides, FAQ answers, calculator results, city rankings, and any other material — is for general informational purposes only. It is not a substitute for professional advice from:

• A licensed real estate agent or broker familiar with your local market
• A certified financial planner (CFP) or financial advisor
• A licensed mortgage professional or loan officer
• A certified public accountant (CPA) or tax professional
• A real estate attorney (for complex transactions)

We strongly encourage you to seek professional advice tailored to your specific circumstances before making any housing decision.

6. Limitation of Liability

To the fullest extent permitted by applicable law, RentVsBuyNow and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Site
• Reliance on any information, data, or calculator results provided by the Site
• Any housing, real estate, or financial decision made based on information from the Site
• Errors or inaccuracies in the data or calculator models
• Any interruption or cessation of the Site's services

Your use of the Site is entirely at your own risk. The Site is provided on an “as is” and “as available” basis without warranties of any kind.

7. Intellectual Property

All content on this Site — including text, graphics, data visualizations, calculator logic, and code — is the property of RentVsBuyNow and is protected by applicable intellectual property laws. You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our express written permission.

8. Third-Party Links and Advertising

The Site may contain links to third-party websites and may display advertisements provided by Google AdSense or other advertising networks. We do not control the content of third-party sites and are not responsible for their accuracy, legality, or practices. The presence of an advertisement or link does not constitute an endorsement by RentVsBuyNow. Clicking on third-party links is at your own risk.

9. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the United States. Any disputes arising from your use of this Site shall be resolved through good-faith negotiation or, if necessary, binding arbitration.

10. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Site. The “Last updated” date at the top of this page reflects the date of the most recent revision. By continuing to use the Site after changes are posted, you agree to the revised terms.

11. Contact

If you have questions about these Terms of Use, please contact us through the Site. We will make reasonable efforts to respond to your inquiry in a timely manner.