Last updated: 13-Jan-2026
Welcome to RealCostIQ.com (“RealCostIQ,” “we,” “our,” or “us”).
By accessing or using this website, you agree to the terms outlined below. If you do not agree, please do not use this site.
1. Purpose of RealCostIQ
RealCostIQ provides educational content and financial calculators designed to help users understand the true cost of owning assets such as homes, stocks, options, and other investments.
All information on this site is provided for informational and educational purposes only.
2. No Financial, Investment, or Legal Advice
RealCostIQ is not a financial advisor, broker, lender, or tax professional.
- Nothing on this website constitutes financial, investment, tax, legal, or mortgage advice
- Calculators provide estimates, not guarantees
- Decisions made based on information from this site are made at your own risk
You should consult a qualified professional before making any financial or investment decisions.
3. Use of Calculators
All calculators on RealCostIQ:
- Are provided “as-is”
- Use user-supplied inputs
- Produce results based on general formulas and assumptions
We make no warranties regarding:
- Accuracy
- Completeness
- Applicability to your personal situation
Calculator results should be used as a starting point, not a final decision-making tool.
4. Options & Investment Risk Disclaimer
Trading stocks, options, and other financial instruments involves significant risk, including the possible loss of capital.
- Options trading is not suitable for all investors
- Past performance does not guarantee future results
- You are solely responsible for your investment decisions
RealCostIQ does not encourage or promote any specific investment strategy.
5. Limitation of Liability
To the fullest extent permitted by law:
RealCostIQ and its owners shall not be liable for any:
- Losses
- Damages
- Financial harm
- Missed opportunities
Resulting from the use of this website, its calculators, or its content.
Use of this site is entirely at your own discretion and risk.
6. Intellectual Property
All content on RealCostIQ, including:
- Text
- Calculators
- Layouts
- Branding
Is the intellectual property of RealCostIQ unless otherwise stated.
You may:
- View and use the site for personal, non-commercial purposes
You may not:
- Copy
- Republish
- Sell
- Redistribute
Without written permission.
7. Third-Party Links
RealCostIQ may contain links to third-party websites for convenience or reference.
We do not control or endorse third-party content and are not responsible for their policies or practices.
8. Availability & Changes
We reserve the right to:
- Modify or remove content
- Update calculators
- Change these terms at any time
Continued use of the site constitutes acceptance of any updates.
9. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the United States, without regard to conflict of law principles.
10. Contact Information
If you have questions about these Terms or Disclaimer, contact us at:
Email: Hello@realcostiq.com