1. Acceptance of Terms

By accessing or using NumeraDesk (the “Service”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service. These terms apply to all visitors and users of the Service.

2. Description of Service

NumeraDesk provides free, browser-based financial calculators for real estate and personal finance. The Service includes mortgage calculators, DSCR calculators, HELOC calculators, rent vs. buy comparisons, BRRRR investment analyzers, and related tools. All calculations are performed client-side in your browser. We do not store your inputs or results.

3. Intellectual Property Rights

The Service, including its design, text, graphics, logos, and software, is the property of NumeraDesk and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any portion of the Service without our prior written consent.

The formulas and calculation methodologies used in our calculators are based on publicly available financial principles. However, the specific implementation, user interface, and presentation are our original work.

4. Acceptable Use Policy

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to gain unauthorized access to any part of the Service, its server, or any database connected to the Service.
• Interfere with or disrupt the Service, including servers or networks connected to the Service.
• Use automated scripts, bots, or scrapers to extract data from the Service without permission.
• Reproduce, duplicate, or resell any portion of the Service for commercial purposes.
• Use the Service to provide financial advice to others as a licensed professional, as the Service is not intended for that purpose.

5. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components. All calculator outputs are estimates for educational purposes only and do not constitute financial, investment, legal, or tax advice. See our Financial Disclaimer for full details.

6. Limitation of Liability

To the maximum extent permitted by law, NumeraDesk and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Service. This includes, but is not limited to, financial losses resulting from decisions made based on calculator outputs, loss of data, or business interruption.

You acknowledge that you are solely responsible for any financial decisions you make and that you should consult a qualified financial professional before making such decisions.

7. Third-Party Links and Advertising

The Service may contain links to third-party websites and may display third-party advertisements. We do not control and are not responsible for the content, accuracy, or practices of these third-party sites. Accessing any third-party links is at your own risk.

8. Indemnification

You agree to indemnify and hold harmless NumeraDesk and its operators from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service or your violation of these Terms.

9. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. We will post the updated terms on this page with a revised “Last updated” date. Your continued use of the Service after any changes constitutes acceptance of the new terms.

10. Contact Us

If you have questions about these Terms of Service, please contact us at [email protected].