Terms of Service

Last updated: October 5, 2026

RentBuyROI (the "Service") is operated from California. By using the Service, you agree to these terms. If you do not agree, please do not use the Service. Contact us at support@rentbuyroi.com.

1. What This Service Is

RentBuyROI is a financial calculator that compares the projected outcomes of renting versus buying a home. It is a tool for informational and educational purposes only, built for people in the United States.

2. Not Financial Advice

The results produced by RentBuyROI are projections based on assumptions and simplified models. They are not financial, investment, tax, or legal advice. Real estate and investment outcomes depend on many factors that this calculator does not and cannot account for.

You should consult a qualified financial professional before making any major financial decisions, including whether to rent or buy a home.

3. No Warranty on Accuracy

We make reasonable efforts to ensure the calculator's math is correct, but we provide the Service "as is" without warranty of any kind, either express or implied. We do not guarantee that:

• The calculations are free from errors
• The default assumptions reflect current or future market conditions
• The projections will match actual financial outcomes
• The Service will be available without interruption

4. Pro Purchase

RentBuyROI offers a one-time Pro upgrade for $29 USD. Pro unlocks the ability to customize every calculator assumption (mortgage rate, tax rates, property tax, HOA, maintenance, investment return, discipline, state cap-gains, and more), auto-fills state-specific property and cap-gains tax rates, exposes a break-even price and rate solver, and lets you share your fully customized scenario via a self-contained URL.

By purchasing Pro:

• You agree to pay the stated price at the time of purchase.
• Payment is processed securely by Stripe.
• Pro access is stored as a signed JSON Web Token (JWT) in your browser's localStorage. Clearing your browser data erases it; you can restore access on another device with your personal unlock link or the email you used at checkout.
• We reserve the right to change pricing for future purchases. Your existing purchase will not be affected.

5. 30-Day Money-Back Guarantee

If Pro doesn't work for you, email us at support@rentbuyroi.com within 30 days of purchase from the address shown on your Stripe receipt and we'll refund you in full. No questions, no forms, no exceptions.

6. Shareable URLs and Your Unlock Link

When you share a results URL, the recipient can view the results based on your inputs (and, for Pro users, your customized assumptions). Shared results URLs do not grant the recipient Pro access.

Your Pro unlock link, however, does grant Pro access to anyone who opens it. Treat it as personal. Do not post it publicly or share it with people you wouldn't give your purchase to.

7. Limitation of Liability

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

• Your use of, or inability to use, the Service
• Any financial decisions you make based on the calculator's output
• Any errors or inaccuracies in the calculations
• Loss of Pro access due to clearing browser data
• Any unauthorized access to or alteration of your data

In no event shall our total liability exceed the amount you paid for the Service.

8. Intellectual Property

The RentBuyROI name, design, and code are our property. You may not copy, modify, or redistribute the Service without permission. You are free to share results URLs and screenshots.

9. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to reverse-engineer, scrape, or disrupt the Service
• Misrepresent calculator results as professional financial advice

10. Changes to These Terms

We may update these terms from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the Service after changes constitutes acceptance of the new terms.

11. Governing Law and Disputes

These terms are governed by the laws of the State of California. If something goes wrong, email us first at support@rentbuyroi.com and we'll try to fix it. Otherwise, disputes will be resolved in the state or federal courts of Santa Clara County, California, except that either of us may use small claims court.

12. Contact

Email support@rentbuyroi.com.