Terms of Service

These Terms of Service ("Terms") are a binding agreement between you and HouseQuant LLC ("HouseQuant," "we," "us," or "our") governing your use of the HouseQuant website, applications, and related services (the "Service"). PLEASE READ SECTION 8 CAREFULLY. IT CONTAINS A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.

1. Acceptance of Terms and Eligibility

1.1 Agreement. By creating an account, checking a box indicating acceptance, or accessing or using the Service, you agree to these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

1.2 Eligibility. You must be at least 18 years old and able to form a binding contract to use the Service. If you use the Service on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" refers to that entity.

1.3 Changes to These Terms. We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service at least 14 days before they take effect, except where changes are required by law. Your continued use of the Service after changes take effect constitutes acceptance. If you do not agree to the updated Terms, you must stop using the Service.

2. Nature of the Service; No Professional Advice

2.1 Informational Tool Only. The Service provides software tools, data, calculations, and analyses to help users evaluate real estate. The Service is provided for informational and educational purposes only.

2.2 No Advice. NOTHING PROVIDED THROUGH THE SERVICE CONSTITUTES INVESTMENT, FINANCIAL, LEGAL, TAX, ACCOUNTING, LENDING, OR REAL ESTATE ADVICE, OR A RECOMMENDATION OR SOLICITATION TO BUY, SELL, HOLD, FINANCE, OR LEASE ANY PROPERTY OR INVESTMENT. Any scores, rankings, metrics, or labels in the Service reflect mathematical outputs based on data and assumptions, not our opinion that any property is suitable for you.

2.3 Not a Licensed Professional. HouseQuant is not a registered investment adviser, broker-dealer, financial planner, real estate broker or agent, mortgage broker or lender, appraiser, attorney, or accountant, and does not act in any such capacity. No fiduciary, advisory, agency, or brokerage relationship is created between you and HouseQuant by your use of the Service.

2.4 Your Responsibility. You are solely responsible for your investment decisions and for conducting your own independent due diligence, including inspections, title review, financing review, and verification of all data. You should consult qualified, licensed professionals before making any investment or financial decision. You acknowledge that real estate investing involves substantial risk, including the risk of losing all or part of your investment.

3. Estimates, AI Outputs, and Third-Party Data

3.1 Estimates and Projections. Underwriting results, cash flow projections, returns, valuations, comparable sales, rent estimates, and other outputs are estimates based on available data and assumptions, many of which you provide. They are not appraisals, broker price opinions, or guarantees of value, income, or performance. Actual results will likely differ, possibly materially.

3.2 AI-Generated Content. Certain features use artificial intelligence to generate text, summaries, or analyses ("AI Outputs"). AI Outputs may be inaccurate, incomplete, outdated, or inconsistent, and may not reflect current market conditions. You must independently verify AI Outputs and must not rely on them as the sole basis for any decision.

3.3 Third-Party Data. The Service includes data from third parties, including public records, listing services, and data providers ("Third-Party Data"). We do not control, verify, or endorse Third-Party Data and make no representations or warranties regarding its accuracy, completeness, or timeliness. Third-Party Data may be subject to additional terms from its providers, which you agree to follow.

3.4 No Obligation to Update. We are not obligated to update, correct, or maintain any data, estimate, or output, and we may change or discontinue data sources at any time.

3.5 In-Product Disclaimers. Disclaimers and notices displayed within the Service, including on analyses, deal pages, and AI Outputs, are part of these Terms and supplement this Section 3 and Section 2.

4. Accounts, Payment, and Acceptable Use

4.1 Accounts. You must provide accurate information when creating an account and keep it current. You are responsible for all activity under your account and for keeping your login credentials secure. Notify us promptly at legal@housequant.io of any unauthorized use.

4.2 Subscriptions and Fees. Some features require payment. By subscribing, you authorize us or our payment processor to charge the applicable fees and taxes to your payment method. Subscriptions renew automatically at the end of each billing period unless you cancel before renewal. You may cancel at any time through your account settings; cancellation takes effect at the end of the current billing period. Except as stated in Section 9 or required by law, fees are non-refundable. We may change prices with at least 30 days' notice before your next renewal.

4.3 Acceptable Use. You agree not to:

• Scrape, crawl, bulk-download, or systematically extract data from the Service, except through features we provide for that purpose
• Resell, sublicense, or redistribute the Service or its data, or use it to build a competing product
• Reverse engineer, decompile, or attempt to access the Service's source code or non-public systems
• Interfere with or disrupt the Service, or circumvent security or usage limits
• Share your account or credentials with others
• Use the Service in violation of any law, including fair housing, fair lending, privacy, and consumer protection laws
• Use the Service to discriminate against any person based on a protected characteristic
• Upload content that is unlawful, infringing, or contains malicious code

5. Your Content, Our Intellectual Property, and Privacy

5.1 Your Content. You retain ownership of the data, assumptions, notes, and files you submit ("User Content"). You grant us a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, store, copy, process, modify, display, and otherwise use User Content (a) to operate, maintain, and improve the Service; (b) to train, fine-tune, evaluate, and improve artificial intelligence and machine learning models, in identifiable or de-identified form; and (c) to sell, share, license, or otherwise disclose User Content and information derived from it to third parties, including advertising partners and data partners, as described in our Privacy Policy. You represent that you have the rights needed to submit your User Content and to grant this license.

5.2 Aggregated Data. We may create and use de-identified or aggregated data derived from use of the Service for any lawful purpose, including improving the Service. This Section 5.2 does not limit the license in Section 5.1.

5.3 Our Property. The Service, including its software, models, design, text, graphics, and trademarks, is owned by HouseQuant or its licensors and protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your own internal purposes. All rights not expressly granted are reserved.

5.4 Feedback. If you send us suggestions or feedback, we may use them without restriction or compensation to you.

5.5 Privacy. Our collection and use of personal information is described in our Privacy Policy at https://www.housequant.io/privacy.

6. Disclaimer of Warranties

THE SERVICE, INCLUDING ALL DATA, ESTIMATES, AND AI OUTPUTS, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, HOUSEQUANT DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DATA OR OUTPUT WILL BE ACCURATE, COMPLETE, OR RELIABLE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

7. Limitation of Liability and Indemnification

7.1 Exclusion of Damages. TO THE FULLEST EXTENT PERMITTED BY LAW, HOUSEQUANT AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY INVESTMENT LOSSES, LOST PROFITS, LOST REVENUE, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR ANY DECISION MADE IN RELIANCE ON IT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.2 Liability Cap. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100.

7.3 Basis of the Bargain. These limitations reflect a reasonable allocation of risk and are an essential part of our agreement. They apply even if a limited remedy fails of its essential purpose.

7.4 Indemnification. You agree to defend, indemnify, and hold harmless HouseQuant and its owners, officers, employees, and agents from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Service, (b) any investment or other decision you make, (c) your User Content, or (d) your violation of these Terms or any law or third-party right.

8. Dispute Resolution and Arbitration

8.1 Informal Resolution. Before filing any claim, you agree to contact us at legal@housequant.io and try to resolve the dispute informally for at least 30 days.

8.2 Binding Arbitration. Any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will take place in Hillsborough County, New Hampshire or by video conference. Either party may instead bring an individual claim in small claims court if it qualifies.

8.3 Class Action Waiver. YOU AND HOUSEQUANT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. JURY TRIALS ARE WAIVED.

8.4 Opt-Out. You may opt out of this arbitration agreement by emailing legal@housequant.io within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration.

8.5 Exceptions. Either party may seek injunctive relief in court to protect its intellectual property or to stop unauthorized use of the Service.

9. Termination

We may suspend or terminate your account or access to the Service at any time, for any reason or no reason, in our sole discretion, with or without notice. If we terminate a paid subscription for reasons other than your breach of these Terms, we will refund prepaid fees for the unused portion of the current billing period. You may stop using the Service at any time. Sections 2, 3, 5.2 through 5.4, and 6 through 10 survive termination.

10. General

10.1 Governing Law. These Terms are governed by the laws of the State of New Hampshire, without regard to conflict-of-law rules, and by the Federal Arbitration Act. Subject to Section 8, the state and federal courts in Hillsborough County, New Hampshire have exclusive jurisdiction.

10.2 Entire Agreement. These Terms and the Privacy Policy are the entire agreement between you and HouseQuant regarding the Service and supersede any prior agreements.

10.3 Severability. If any provision is found unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will remain in effect.

10.4 No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

10.5 Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.

10.6 Electronic Communications. You consent to receive notices electronically, and agree that electronic notices satisfy any legal requirement that communications be in writing.

10.7 Force Majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

11. Contact

HouseQuant LLC, 221 Main St #4215, Nashua, NH 03060. Email: legal@housequant.io