Terms of Use

Effective Date: July 25, 2026 Last Updated: July 25, 2026 Welcome to My Home Decision. These Terms of Use govern your access to and use of MyHomeDecision.com, including its calculators, assessments, comparison tools, educational content, forms, and related features. Throughout these Terms, “My Home Decision,” “we,” “us,” and “our” refer to the owner and operator of MyHomeDecision.com. “You” and “your” refer to any person who visits or uses the website. By accessing or using MyHomeDecision.com, you agree to these Terms. If you do not agree, please do not use the website. 1. Educational Use Only My Home Decision is an educational planning and decision-support tool. It is intended to help users organize assumptions and compare possible housing choices, such as selling, renting out a home, renovating, remaining in a home, downsizing, or other options that may be added in the future. The website and its results are provided for general informational and educational purposes only. They are not intended to make a decision for you or replace your own judgment and due diligence. My Home Decision does not provide: An appraisal, comparative market analysis, or broker price opinion A home inspection or property-condition assessment A contractor estimate or construction recommendation A mortgage quote, loan approval, or credit decision A financial plan or investment recommendation Legal, tax, accounting, insurance, medical, or accessibility advice A guarantee that any particular housing option is appropriate for you 2. Reliance on User-Entered Information The calculations and comparisons provided by My Home Decision rely primarily on information and assumptions entered or selected by you. These assumptions may include, among other things: Property value Mortgage balance and payments Selling price and selling costs Rental income and expenses Vacancy and maintenance allowances Renovation costs and estimated value contribution Property taxes and insurance Home appreciation Personal preferences and priorities You are responsible for deciding what information to enter and for reviewing it for completeness and reasonableness. My Home Decision does not independently verify the accuracy, completeness, or currentness of the information you enter. Incorrect, incomplete, outdated, or unrealistic assumptions may produce misleading results. Any default value shown by the website is provided only as a general planning estimate. A default value is not a representation that the value is appropriate for your location, property, transaction, financial circumstances, or intended decision. 3. No Guarantee of Accuracy or Future Results We make reasonable efforts to provide understandable calculations and a functional user experience. However, we do not guarantee that: Every calculation is error-free Every relevant cost or consideration is included The results will match an appraisal, professional analysis, transaction statement, loan estimate, contractor proposal, tax calculation, or actual future outcome Property values, rents, interest rates, expenses, taxes, insurance costs, renovation costs, or market conditions will change as assumed A particular option will be financially or personally beneficial Information on the website will always be current, complete, or suitable for your circumstances Actual outcomes may differ materially from the estimates shown. Past market behavior and user-entered appreciation assumptions do not guarantee future property values. Estimated rent does not guarantee that a property can be rented at that amount or remain occupied. Estimated renovation value does not guarantee that an improvement will increase a property’s market value by that amount. The website may simplify complex financial and personal decisions. It may not account for every relevant factor, including income taxes, capital-gains taxes, depreciation, depreciation recapture, financing changes, investment alternatives, legal obligations, property defects, major repairs, replacement housing, transaction timing, or changes in personal circumstances. 4. No Professional or Agency Relationship Your use of MyHomeDecision.com does not create any professional, fiduciary, brokerage, agency, advisory, or client relationship. In particular, using the website does not create: A real estate brokerage or agency relationship A buyer-representation or seller-representation agreement A fiduciary relationship A financial-advisory or investment-advisory relationship An attorney-client relationship An accountant-client or tax-advisory relationship A lender-borrower or mortgage-broker relationship A contractor-client relationship A property-management relationship A medical, occupational-therapy, or accessibility-consulting relationship Any obligation for you to hire, retain, or work with a person who responds to a voluntary request for assistance No person becomes your representative, agent, fiduciary, broker, advisor, attorney, lender, contractor, property manager, healthcare provider, or other professional merely because you use the website, receive calculator results, submit a question, or request additional information. A professional relationship may be created only through a separate written agreement that clearly identifies the parties, services, obligations, compensation, and other applicable terms. 5. Requests for Additional Assistance My Home Decision may give you the option to request help reviewing your assumptions or understanding your options. Submitting a request is voluntary. Depending on the nature of your question, a response may be provided by a licensed real estate professional or another appropriately qualified housing professional. Submitting a request: Does not require you to hire or work with anyone Does not create a brokerage, agency, fiduciary, advisory, or professional relationship Does not guarantee that a response will be provided Does not guarantee that the person responding can assist with every issue Does not replace advice from professionals qualified for your particular circumstances Questions involving legal, tax, lending, insurance, construction, medical, accessibility, or other specialized matters should be directed to an appropriately licensed or qualified professional. 6. Your Responsibility to Verify Important Information You are responsible for independently verifying any information that could materially affect your decision. Before acting, you should consider consulting qualified professionals, which may include: A licensed real estate professional A certified or licensed appraiser A mortgage lender or mortgage professional A property manager A home inspector A licensed contractor An insurance professional A financial advisor A certified public accountant or other tax professional An attorney An occupational therapist, accessibility specialist, or aging-in-place professional You should verify important matters such as property value, loan terms, mortgage payoff amounts, market rent, selling costs, taxes, insurance, legal requirements, property condition, repair costs, permits, renovation feasibility, and future housing expenses. You are solely responsible for decisions made or actions taken based on the website or its results. 7. Acceptable Use You may use MyHomeDecision.com only for lawful personal or internal business purposes. You agree not to: Use the website for unlawful, fraudulent, deceptive, or abusive purposes Attempt to gain unauthorized access to the website, its systems, or another user’s information Interfere with the website’s operation, security, or availability Introduce malware, harmful code, automated attacks, or excessive traffic Scrape, copy, reproduce, or republish substantial portions of the website without authorization Reverse engineer or attempt to extract proprietary source code except where applicable law expressly permits it Misrepresent calculator results as an appraisal, loan approval, professional opinion, or guaranteed outcome Use the website to make decisions for another person without appropriately disclosing its limitations We may restrict or block access when we reasonably believe a user has violated these Terms or poses a risk to the website, its users, or its operation. 8. Website Availability We may modify, update, suspend, restrict, or discontinue any part of MyHomeDecision.com at any time. We do not guarantee that the website will: Always be available Operate without interruption Be free from errors, defects, delays, or security incidents Work with every browser, device, operating system, or network Preserve information stored in your browser Continue offering any particular calculator, feature, or content Maintenance, software updates, hosting issues, internet outages, browser settings, security measures, and circumstances outside our control may affect availability. You should not rely on the website as the sole storage location for information you consider important. 9. Browser Storage and Data Loss My Home Decision may store assessment information locally in your browser so that you can refresh the page or return to an unfinished comparison. Browser-stored information may be lost or deleted if you: Clear your browser data Use private or incognito browsing Change browsers or devices Disable local storage Use browser-cleaning or security software Select a Start Over or data-clearing function Experience a browser, device, or software failure We do not guarantee that locally stored information can be recovered. Your use of the website is also subject to our Privacy Policy. 10. Third-Party Services and Links The website may contain links to third-party websites, email services, resources, or professionals. Third-party services are operated independently and may have their own terms, privacy practices, fees, eligibility requirements, and security procedures. We do not control and are not responsible for: Third-party content Third-party availability Products or services offered by third parties Advice or representations made by third parties Third-party privacy or data-handling practices Transactions or relationships between you and a third party A link, referral, or mention does not necessarily constitute an endorsement. 11. Intellectual Property MyHomeDecision.com and its original content, design, branding, text, graphics, interfaces, calculations, software, organization, and other materials are owned by My Home Decision or used with permission and are protected by applicable intellectual-property laws. “My Home Decision,” related names, logos, designs, and branding may not be used in a way that suggests sponsorship, affiliation, approval, or endorsement without prior written permission. Subject to these Terms, you are granted a limited, revocable, nonexclusive, nontransferable license to use the website for your own lawful personal or internal business purposes. You may print or save your own comparison results for personal use and share them with family members or professional advisors involved in evaluating your housing decision. You may not, without prior written permission: Copy or republish substantial portions of the website Sell, license, sublicense, or commercially distribute the website or its content Create a competing service using copied website content, formulas, design, or source code Remove copyright, trademark, attribution, or proprietary notices Use the My Home Decision name or branding to promote another product or service You retain ownership of information you enter. Entering information into the calculator does not transfer ownership of that information to us. 12. Disclaimer of Warranties To the fullest extent permitted by applicable law, MyHomeDecision.com is provided on an “as is” and “as available” basis. We disclaim all express and implied warranties, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, title, noninfringement, availability, and security. We do not warrant that the website or its results will meet your needs, produce a desired outcome, or be appropriate for a particular transaction or decision. Nothing in these Terms excludes any warranty or consumer right that cannot lawfully be excluded. 13. Limitation of Liability To the fullest extent permitted by applicable law, My Home Decision and its owners, operators, employees, contractors, service providers, licensors, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of, or inability to use, the website. This includes, without limitation, losses involving: Real estate transactions Property value Rental income Financing Renovations Repairs Taxes Insurance Investment opportunities Business interruption Lost profits Lost data Replacement housing Decisions made in reliance on calculator results To the fullest extent permitted by applicable law, our total aggregate liability for any claim arising from or relating to the website will not exceed the greater of: The amount you paid directly to My Home Decision for use of the website during the 12 months before the event giving rise to the claim; or One hundred U.S. dollars. Because the website is currently offered free of charge, the amount paid may be zero. These limitations apply regardless of the legal theory asserted and even if we were advised that damages were possible. Nothing in these Terms limits liability that cannot legally be limited or excluded, including liability arising from fraud, willful misconduct, gross negligence where applicable law prohibits limitation, or other nonwaivable legal obligations. Some jurisdictions do not allow certain warranty exclusions or liability limitations. In those jurisdictions, the limitations will apply only to the maximum extent permitted by law. 14. Changes to the Website or These Terms We may revise these Terms periodically to reflect changes to the website, its features, our practices, or applicable legal requirements. When we make changes, we will update the “Last Updated” date at the top of this page. Your continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms. If you do not agree with the revised Terms, you should stop using the website. 15. Governing Law and Venue This section is a placeholder and should be reviewed by qualified legal counsel before publication. These Terms and any dispute arising from or relating to MyHomeDecision.com will be governed by the laws of the State of WASHINGTON, without regard to its conflict-of-laws principles. Any legal action arising from or relating to these Terms or the website must be brought in the state or federal courts located in SNOHOMISH COUNTY AND WASHINGTON STATE, and each party consents to the personal jurisdiction and venue of those courts. Nothing in this section limits any consumer right or protection that cannot lawfully be waived. 16. Severability If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in effect. 17. No Waiver Our failure to enforce any provision of these Terms does not waive our right to enforce that provision or any other provision later. 18. Entire Agreement These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and My Home Decision regarding your use of the website, unless a separate written agreement applies. If there is a conflict between these Terms and a separate written agreement signed by the applicable parties, the separate written agreement will control only for the subject matter it addresses. 19. Contact Questions about these Terms may be sent to: My Home Decision Email: joerank.real@gmail.com Website: MyHomeDecision.com Please do not send Social Security numbers, bank-account information, complete loan-account numbers, medical records, or other highly sensitive information by email.