Terms and Conditions

By accessing or using BuyOrRent.ai (the "Website"), you agree to be bound by these Terms and Conditions ("Terms"). These Terms apply to all visitors, users, and anyone who accesses or uses the Website.

If you do not agree with any part of these Terms, you must stop using the Website. Continued use of the Website after any changes to these Terms constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of California, United States.

BuyOrRent.ai is an independent, owner-operated educational website. It publishes calculators, guides, and informational content focused on housing cost analysis, including rent vs. buy comparisons, mortgage calculations, home affordability tools, and refinance analysis.

The Website is operated by Gil Bargas, Founder and Owner, BuyOrRent.ai, located at 3468 McKee Rd, Suite 2, San Jose, CA 95127.

All content is provided for general informational and educational purposes only. Nothing on this Website constitutes professional, legal, financial, mortgage, tax, or investment advice.

All content published on BuyOrRent.ai, including calculators, guides, articles, and tools, is intended for general informational and educational purposes only.

Nothing on this Website should be interpreted as financial advice, mortgage advice, tax advice, investment advice, or legal advice. You should not rely on any content on this Website as a substitute for professional advice from a licensed mortgage broker, financial advisor, accountant, real estate agent, or attorney.

Using this Website does not create any professional relationship between you and BuyOrRent.ai or its owner. No advisor-client or attorney-client relationship is formed by accessing or using the Website.

The calculators and financial modeling tools on this Website produce estimates based on the inputs you provide and the assumptions built into each tool. These results are illustrative only.

Calculator outputs are not predictions, guarantees, or personalized financial recommendations. Actual costs, mortgage payments, tax obligations, insurance premiums, and investment returns will vary based on your specific circumstances, local market conditions, lender terms, and other factors not captured in the models.

Default assumptions used in calculators represent commonly referenced ranges and are not tailored to your situation. You should review and adjust all inputs before interpreting any result.

BuyOrRent.ai makes no representations that calculator outputs will be accurate, complete, or suitable for any particular purpose.

You may access and use the Website for personal, non-commercial, informational purposes. You agree to use the Website only in ways that comply with applicable laws and these Terms.

Permitted uses include:

• •Using calculators for personal housing research
• •Reading guides and educational content for your own understanding
• •Sharing links to pages on the Website with proper attribution

You must not:

• •Scrape, crawl, or systematically extract content from the Website
• •Republish, reproduce, or redistribute content for commercial purposes without prior written permission
• •Sell, sublicense, or otherwise commercialize any content or tools from the Website
• •Attempt to gain unauthorized access to any part of the Website or its infrastructure
• •Use the Website to transmit spam, malware, or other harmful content
• •Use automated tools to interact with the Website in ways that disrupt normal operation
• •Frame or embed the Website's content in another site without permission
• •Present the Website's content as your own original work

Unless otherwise stated, BuyOrRent.ai and its owner hold all intellectual property rights in the content published on this Website, including text, guides, tool designs, graphics, and original editorial content.

You are permitted to access and read content on the Website for personal, non-commercial use. You may not republish, sell, copy, or redistribute any part of the Website's content without prior written permission from BuyOrRent.ai.

If you wish to reference, quote, or link to content from this Website, you may do so with proper attribution. Contact us at contact@buyorrent.ai for permission requests related to broader use.

You are responsible for the accuracy of information you enter into any calculator or form on the Website. Calculator results depend entirely on the inputs you provide and the assumptions selected.

You are responsible for any decisions you make based on content or calculator outputs from this Website. BuyOrRent.ai cannot assess your personal financial situation, and no content on this Website is a substitute for professional advice.

You agree not to hold BuyOrRent.ai or its owner liable for any decisions, losses, or outcomes arising from your use of the Website or reliance on its content.

The Website may contain links to third-party websites for informational purposes. BuyOrRent.ai does not control, endorse, or assume responsibility for the content, accuracy, privacy practices, or availability of any external website.

Accessing third-party links from the Website is at your own discretion and risk. We recommend reviewing the terms and privacy policies of any third-party website you visit.

BuyOrRent.ai and its owner make no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any content on the Website.

To the fullest extent permitted by law, BuyOrRent.ai and its owner shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of the Website, including reliance on any calculator output, guide, or informational content.

This limitation applies regardless of whether the damages arise from errors, omissions, inaccuracies, service interruptions, or any other cause related to the Website.

BuyOrRent.ai does not guarantee any specific outcome from using its calculators or following information presented in its guides. Housing costs, mortgage rates, home values, tax obligations, and investment returns all vary based on factors outside our control.

Past performance and historical data referenced on the Website are not indicators of future results. Market conditions change, and any figures used in examples or calculator defaults are for illustrative purposes only.

You should not make housing, financial, or investment decisions based solely on information from this Website. Always consult licensed professionals before making significant financial decisions.

BuyOrRent.ai is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has submitted personal data through the Website, please contact us and we will take steps to remove it.

These Terms and Conditions are governed by and interpreted in accordance with the laws of the State of California, United States, without regard to its conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts located in Santa Clara County, California.

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

BuyOrRent.ai reserves the right to modify these Terms at any time. When material changes are made, we will update the "Last Updated" date at the top of this page.

Continued use of the Website after revised Terms are published constitutes acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using the Website.

For questions about these Terms, please contact us:

• •Business: BuyOrRent.ai
• •Owner: Gil Bargas, Founder and Owner
• •Address: 3468 McKee Rd, Suite 2, San Jose, CA 95127
• •Email: contact@buyorrent.ai