Terms of Use
Last updated: September 14, 2026
1. Agreement
These terms are an agreement between you and Artem Suprun ("we", "us"), the developer of the app. By downloading, installing, or using the app, or by tapping "I understand" when the app asks you to accept these terms, you agree to them. If you do not agree, do not use the app.
2. What the app is
The app is an educational calculator. It compares two hypothetical paths — buying a home, or renting and investing the difference — using figures you enter and assumptions you choose, and it shows the result as an estimate. It does not know your circumstances. In providing it, we are not acting as your lender, broker, real estate agent, financial advisor, tax preparer, or lawyer. The app does not offer or arrange any financial product, and it is not affiliated with or endorsed by any lender, real estate company, or government agency.
3. Not advice
Nothing in the app, on this website, or in any reply to a support request is financial, investment, tax, accounting, legal, insurance, or real estate advice, or a recommendation to take or avoid any action. A result is not a loan offer, a pre-approval, a Loan Estimate, an appraisal, or a statement of what any property is worth. Using the app does not create an advisory, fiduciary, or other professional relationship between you and us. Before you make a decision about housing, borrowing, taxes, or investing, consult a qualified professional who knows your situation.
4. Estimates and accuracy
Every result depends on assumptions about the future — home prices, rents, interest rates, investment returns, inflation, upkeep, and tax law — that no one can predict, and actual outcomes will differ, possibly by a great deal. The model simplifies reality and leaves things out, as the methodology describes. Built-in tax figures and other defaults are approximations that may be incomplete, out of date, or wrong for you, and the app may contain errors. We do not promise that any result is accurate, complete, current, or suitable for your purposes. Check every input and every result yourself.
5. Your decisions are your own
You are solely responsible for how you use the app and for every decision you make, or choose not to make, whether or not the app informed it — including whether to buy, sell, or rent a home, whether to take on, refinance, or pay down a mortgage, and whether and how to invest. We are not responsible for any of those decisions or for their consequences.
6. License
We grant you a personal, non-exclusive, non-transferable, revocable license to use the app on Apple devices you own or control, as permitted by the Usage Rules in Apple's Media Services Terms and Conditions. You may not copy, modify, reverse engineer, resell, or redistribute the app except as that license or applicable law allows. The license ends automatically if you break these terms, and you must then stop using the app and delete it.
7. No warranties
The app and this website are provided "as is" and "as available", with all faults and without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, and non-infringement, and any warranty that the app will be free of errors or work without interruption. No information you get from us or through the app creates a warranty that these terms do not expressly state.
8. Limitation of liability
To the fullest extent permitted by law, Artem Suprun will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of money, profits, savings, investment returns, home equity, property value, or data, arising out of or relating to the app, this website, these terms, or any decision you make — whether the claim is based on contract, tort (including negligence), strict liability, or any other theory, and even if we were told such a loss was possible. Our total liability for all claims relating to the app will not exceed the greater of the amount you paid for the app, if any, and US $50.
Some jurisdictions do not allow certain warranties to be excluded or certain damages to be limited. Where that is the case, the exclusions and limits above apply only as far as the law allows, and nothing in these terms takes away a right you have that cannot lawfully be waived.
9. Indemnity
To the extent the law allows, you agree to indemnify and hold harmless Artem Suprun against any claim, loss, or expense, including reasonable attorneys' fees, arising from your misuse of the app or your breach of these terms.
10. Apple
If you got the app from Apple's App Store:
- These terms are between you and Artem Suprun only, not Apple, and Apple is not responsible for the app or its content.
- Apple has no obligation to provide maintenance or support for the app.
- If the app fails to conform to any warranty that applies, you may notify Apple, and Apple will refund the purchase price, if any. To the fullest extent permitted by law, Apple has no other warranty obligation for the app.
- Apple is not responsible for addressing any claim by you or anyone else relating to the app, including product liability claims, claims that the app fails to meet a legal or regulatory requirement, and claims under consumer protection, privacy, or similar laws.
- Apple is not responsible for investigating, defending, settling, or discharging any claim that the app infringes someone else's intellectual property rights.
- You represent that you are not located in a country subject to a US government embargo or designated by the US government as a "terrorist supporting" country, and that you are not on any US government list of prohibited or restricted parties.
- You must follow any third-party terms that apply when you use the app.
- Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.
Apple's standard Licensed Application End User License Agreement also applies to the app. These terms add to it; where the two conflict, Apple's agreement controls.
11. Your data
The app stores your scenarios on your device and transmits nothing. See the privacy policy.
12. Changes
We may change, suspend, or stop offering the app at any time. We may also update these terms; the date at the top shows when they last changed, and the app may ask you to accept a new version before you keep using it. Using the app after an update means you accept the updated terms.
13. Governing law
These terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles.
14. General
If any part of these terms is found unenforceable, it will be enforced as far as the law allows and the rest of the terms stay in effect. Not enforcing a part of these terms is not a waiver of it. These terms, the privacy policy, and, where it applies, Apple's end user license agreement are the whole agreement between you and us about the app. You may not transfer your rights under these terms; we may transfer ours. Sections 3, 4, 5, 7, 8, 9, 10, 13, and 14 continue to apply after these terms or your license end.