Terms & Conditions

By accessing or using the RealCostIQ website at realcostiq.com ("the Site"), you agree to be bound by these Terms and Conditions ("Terms"), our Privacy Policy, and all applicable laws and regulations.

If you do not agree with any of these Terms, you are prohibited from using or accessing this Site. These Terms apply to all visitors, users, and others who access or use the Site.

RealCostIQ provides a collection of free, browser-based calculators and informational content related to:

• Mortgage and home loan calculations (payments, affordability, refinancing, amortization)
• Home maintenance and renovation cost estimates
• Roofing, flooring, kitchen remodeling, and HVAC cost guides
• Rent vs. buy analysis and rental property calculations
• General personal finance tools related to homeownership

All calculators operate entirely within your web browser. No calculation inputs are transmitted to or stored on our servers. The Site is provided free of charge and without requiring registration or account creation.

Calculator results are estimates based on inputs you provide and general formulas. They do not account for your full financial situation, creditworthiness, local market conditions, lender-specific requirements, fees, or other individual factors.

Specifically, you understand and agree that:

• Actual mortgage payments, loan terms, and interest rates are determined by lenders and may differ significantly from calculator estimates.
• Renovation, roofing, HVAC, and other home cost estimates are general ranges; actual contractor quotes will vary by location, scope, materials, and labour market.
• Tax implications of homeownership, refinancing, or investment vary by jurisdiction and individual circumstances. Consult a qualified tax professional.
• Rent vs. buy analyses involve assumptions that may not reflect your local market or personal situation.
• No calculator result from RealCostIQ should be used as the sole basis for any financial decision.

The Site and its original content, features, functionality, design, code, and trademarks are owned by RealCostIQ and are protected by applicable intellectual property laws.

4.1 What You May Do

• Use the calculators for personal, non-commercial purposes
• Share links to calculator pages
• Quote brief excerpts of content with proper attribution and a link back to the source page

4.2 What You May Not Do

• Copy, reproduce, or redistribute the calculator code or content without prior written permission
• Use the Site's content or calculators for commercial purposes without a licence
• Remove or alter any copyright, trademark, or proprietary notices
• Frame or mirror the Site on another website without written consent
• Scrape, harvest, or extract data from the Site using automated tools

Requests for commercial use or content licensing may be directed to us via our contact page.

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Attempt to gain unauthorised access to any part of the Site or its underlying systems
• Transmit malware, viruses, or any other malicious code
• Use the Site to engage in any fraudulent, deceptive, or harmful activity
• Interfere with or disrupt the Site's infrastructure or servers
• Use automated bots, scrapers, or crawlers to access the Site in a way that places unreasonable load on our servers
• Impersonate RealCostIQ or any person or entity
• Submit false, misleading, or harmful content via the contact form

We reserve the right to block or restrict access to any user who violates these conduct rules.

THE SITE AND ALL CONTENT, CALCULATORS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, RealCostIQ expressly disclaims all warranties including, but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, error-free, or free of viruses
• Warranties regarding the accuracy, completeness, or currency of any calculator results or content
• Warranties that defects will be corrected

Calculator results are mathematical estimates based on the formulas and inputs provided. Real-world results will differ. RealCostIQ makes no warranty that any estimate is accurate for your specific circumstances.

This includes, without limitation, damages for:

• Financial losses arising from reliance on calculator estimates
• Decisions made based on content or tools on this Site
• Loss of data, profits, goodwill, or business opportunities
• Any errors, inaccuracies, or omissions in content or results
• Unauthorised access to or alteration of your transmissions or data

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability is limited to the greatest extent permitted by law.

The Site may contain links to third-party websites or resources. These links are provided for convenience and informational purposes only. RealCostIQ:

• Has no control over the content, privacy policies, or practices of any third-party sites
• Does not endorse, warrant, or assume responsibility for third-party sites or services
• Is not responsible for any loss or damage caused by your use of or reliance on third-party content

We encourage you to review the terms and privacy policies of any third-party websites you visit through links on our Site.

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the data practices described in the Privacy Policy.

Key points from our Privacy Policy:

• Calculator inputs are never transmitted to our servers — all calculations run in your browser
• We collect minimal analytics data and contact form submissions
• We do not sell your personal information
• You have rights to access, correct, or delete your data

RealCostIQ reserves the right, at its sole discretion, to:

• Modify, update, or discontinue any calculator, feature, or part of the Site at any time without notice
• Change these Terms at any time by posting the revised version on this page with an updated effective date
• Restrict access to the Site or any part thereof for any reason

Your continued use of the Site after any changes to these Terms constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you should stop using the Site.

We will make reasonable efforts to notify users of material changes by updating the "Last Updated" date at the top of this page.

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including if we believe you have violated these Terms.

Upon termination, the following sections of these Terms will continue to apply: Section 3 (Educational Use Only), Section 6 (Disclaimer of Warranties), Section 7 (Limitation of Liability), and Section 12 (Governing Law).

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising out of or in connection with these Terms or your use of the Site shall first be attempted to be resolved through good-faith negotiation.

If a dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration in accordance with applicable arbitration rules, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

If you have any questions about these Terms and Conditions, or if you wish to report a potential violation, please contact us:

By using RealCostIQ, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions and our Privacy Policy.