Terms of Service

Acceptance of Terms

By accessing and using BuyVsRentWise ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

Description of Service

BuyVsRentWise provides an interactive rent-vs-buy calculator and educational articles about the financial aspects of homeownership and renting. All tools and content are provided for informational and educational purposes only.

Not Financial Advice

The content on this site does not constitute financial, investment, tax, or legal advice. The calculator is a simplified model that cannot account for every variable in your personal financial situation. Results are estimates based on the assumptions you provide and should not be the sole basis for any financial decision.

Important limitations of the calculator include, but are not limited to:

• Tax implications are not modeled on either side (mortgage interest deduction for buyers, capital gains taxes on investments for renters)
• Private mortgage insurance (PMI) is not included
• Market volatility and sequence-of-returns risk are not modeled
• Local market conditions, zoning changes, and regulatory factors are not considered
• Emotional and lifestyle value of homeownership is not quantified

Always consult a qualified financial advisor, tax professional, or real estate attorney before making major financial decisions.

Accuracy of Information

We make reasonable efforts to ensure the accuracy of our content and calculations. However, we do not warrant that the information on this site is complete, correct, or current. Historical data, averages, and benchmarks cited in articles are approximations and may vary by source.

Use of the Calculator

The calculator runs entirely in your browser. No inputs or results are transmitted to or stored on our servers. You are responsible for the accuracy of the values you enter. We are not liable for decisions made based on calculator outputs.

Intellectual Property

All content on this site, including text, graphics, calculator logic, and design, is the property of BuyVsRentWise and is protected by copyright law. You may not reproduce, distribute, or create derivative works from this content without written permission.

You are welcome to share links to our pages and reference our content with proper attribution.

Third-Party Links

Our site may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of any external sites. Inclusion of a link does not imply endorsement.

Advertising

This site may display advertisements served by third-party networks, including Google AdSense. These ads may use cookies to serve content relevant to your interests. We are not responsible for the content of advertisements or the products and services they promote.

Limitation of Liability

To the fullest extent permitted by law, BuyVsRentWise and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this site, including any financial losses resulting from reliance on calculator results or article content.

The site is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Indemnification

You agree to indemnify and hold harmless BuyVsRentWise and its operators from any claims, losses, or damages arising from your use of the site or violation of these terms.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with a revised "Last updated" date. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.

Governing Law

These terms are governed by the laws of the United States. Any disputes arising from these terms or your use of the site shall be resolved in accordance with applicable law.

Contact Us

If you have questions about these Terms of Service, please contact us at info@buyvsrentwise.com.