Terms of Service

Effective Date: December 15, 2024

These Terms of Service ("Terms") govern your access to and use of the RateMyReturn.com website, application, and related services (collectively, the "Service"), owned and operated by RateMyReturn, LLC, a North Carolina limited liability company ("Company," "we," "us," or "our").

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

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1. Service Description

RateMyReturn.com provides real estate investment analysis and forecasting tools, including AI-generated projections, based on user-provided inputs and market data. The Service operates on a credit-based model, where credits may be purchased via Stripe or other payment providers to perform additional searches or analyses.

The Service is intended for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice and should not be relied upon as such.

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2. Accounts

• You must be at least 18 years old to create an account.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• We reserve the right to suspend or terminate accounts for violation of these Terms.

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3. Credits and Payments

• Credits may be purchased through Stripe or other authorized payment processors.
• All sales of credits are final; credits are non-refundable and non-transferable unless otherwise required by law.
• Credits expire 12 months after purchase, if not used.
• If your account is terminated for violation of these Terms, unused credits are forfeited.

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4. User Data & AI Model Training

• You grant the Company a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, distribute, and create derivative works from your submitted data, inputs, search queries, assumptions, and usage patterns ("User Data") for:
  • Operating and improving the Service
  • Training, testing, and refining AI models
  • Creating aggregated or anonymized datasets that may be shared with or served to other users
• We may incorporate your User Data into a generalized database for benchmarking, forecasting, and other product features.
• You represent that you have all necessary rights and permissions to provide such User Data to us.

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5. Intellectual Property

• All content, software, and features of the Service are the property of the Company or its licensors and are protected by intellectual property laws.
• You may not copy, modify, reverse engineer, or create derivative works of the Service without our prior written consent.

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6. Acceptable Use

You agree not to:

• Use the Service for unlawful, fraudulent, or abusive purposes
• Attempt to gain unauthorized access to the Service or its data
• Interfere with or disrupt the Service's operation

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7. No Warranty

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including accuracy, reliability, merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that forecasts or projections will be accurate or achieve any particular result.

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8. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability to you for any claim arising out of or relating to the Service will not exceed the total amount you paid to us in the 12 months preceding the claim.
• We will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits or lost data.

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9. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights

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10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice. Upon termination:

• Your license to use the Service will end immediately
• Unused credits will be forfeited unless required by law
• Sections 4, 5, 7, 8, 9, and 12 will survive termination

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11. Force Majeure

We are not responsible or liable for any delay or failure in performance caused by events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, internet or utility failures, or governmental actions.

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12. Dissolution & Liquidation

If the Company ceases operations, files for bankruptcy, or dissolves:

• All outstanding credits will expire without refund unless required by law
• We may delete or anonymize all stored User Data in our sole discretion, except as required by law to retain

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13. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of laws principles.

Any legal action or proceeding will be brought exclusively in the state or federal courts located in Wake County, North Carolina.

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14. Changes to Terms

We may update these Terms at any time by posting the revised version on the Service. Continued use after changes constitutes acceptance of the revised Terms.

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15. Contact