Terms of Service

1. Agreement to Terms

By accessing or using RealVest's website (realvest.ai), tools, calculators, or any related services (collectively, "Services"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access our Services.

These Terms apply to all visitors, users, and others who access or use our Services.

2. Use License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our website for personal, non-commercial purposes
• Use our calculators and tools for your real estate investment analysis
• Download resources marked as downloadable for personal use
• Share links to our content with proper attribution

This license does not include the right to:

• Modify or copy our materials except for personal use
• Use materials for commercial purposes without permission
• Attempt to reverse engineer any software on our site
• Remove copyright or proprietary notations

3. User Accounts

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your account information remains accurate

We reserve the right to terminate accounts that violate these Terms or remain inactive for extended periods.

4. Prohibited Uses

You may not use our Services:

• For any unlawful purpose or to solicit illegal activities
• To violate any international, federal, state, or local regulations
• To transmit viruses, malware, or malicious code
• To harass, abuse, or harm another person
• To spam or send unsolicited communications
• To impersonate RealVest or another user
• To interfere with or circumvent security features
• To scrape or harvest data without permission
• To overload our servers with excessive requests

5. Intellectual Property Rights

Our Services and original content, features, and functionality are owned by RealVest and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Our calculators, tools, book content, and educational materials are proprietary. You may not:

• Reproduce, distribute, or create derivative works without permission
• Use our trademarks without written consent
• Copy our calculator logic or algorithms for commercial use
• Republish our content on other platforms without attribution

6. Disclaimer of Investment Advice

By using our Services, you acknowledge that:

• All investment decisions are made at your own risk
• Past performance examples do not guarantee future results
• You should consult qualified professionals before making investment decisions
• Real estate investing involves substantial risk of loss

7. Limitation of Liability

To the maximum extent permitted by law, RealVest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use
• Investment losses or poor investment outcomes
• Errors in calculations or analysis
• Reliance on our educational content
• Third-party actions or content

Our total liability shall not exceed the amount you paid us in the past 12 months, if any.

8. Indemnification

You agree to defend, indemnify, and hold harmless RealVest, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of our Services or violation of these Terms.

9. Third-Party Links and Services

Our Services may contain links to third-party websites or services, including:

• Discord community platform
• Amazon for book purchases
• Federal Reserve Economic Data (FRED)
• Other educational resources

We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party services is at your own risk.

10. Privacy

Your use of our Services is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the site and informs users of our data collection practices.

11. Termination

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Conduct that we believe harms us or other users
• Failure to comply with applicable laws
• Extended periods of inactivity

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Washington, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the federal and state courts located in King County, Washington.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on our website. Your continued use of our Services after changes constitutes acceptance of the new Terms.

14. Severability

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

15. Contact Information

If you have questions about these Terms of Service, please contact us: