Terms of Service
Last Updated: August 15, 2025
Acceptance of Terms
By accessing and using ownorent.com (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. These Terms of Service govern your use of our website and financial calculation tools, including our Rent vs. Buy Calculator and Mortgage Calculator.
If you do not agree to abide by the above, please do not use this Service.
Use of Service
Personal Use Only
Our Service is intended for personal, non-commercial use only. You may use our calculators to evaluate your own financial decisions regarding home ownership and mortgage planning.
Prohibited Uses
You agree not to use the Service:
- • For any unlawful purpose or to solicit others to perform unlawful acts
- • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
- • In any manner that could disable, overburden, damage, or impair our Service or interfere with any other user's enjoyment of the Service
- • To attempt to gain unauthorized access to our systems or user accounts
- • To use automated means to access the Service or collect data from it beyond reasonable API usage
- • To build a competitive product or service, or to benchmark the Service against a competitive product
API Usage Terms
Free Public Access
Our Calculator APIs are provided free of charge for public use. No API key or registration is required for access.
API Data Policy
We do not store any data submitted through our APIs. All calculations are processed in real-time and no user data is retained on our servers.
Fair Use
While we do not impose strict rate limits, we reserve the right to restrict access if usage patterns negatively impact service performance for other users.
Usage Restrictions
The API is provided for informational and integration purposes. You may not use the API to create a service that directly competes with ownorent.com, nor may you resell or redistribute the API data without our express written permission.
Disclaimer
Important Notice: Educational Tool Only
Our calculators and content are provided for educational and informational purposes only. They are not intended to provide financial, investment, or legal advice.
No Warranty
The information and tools on this website are provided "as is" without any representations or warranties, express or implied. We make no representations or warranties in relation to the accuracy, completeness, or suitability of the information contained on this website.
Limitation of Liability
We will not be liable for any direct, indirect, special, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this Service. This includes but is not limited to:
- • Financial losses resulting from decisions based on our calculations
- • Errors or inaccuracies in calculation results
- • Interruption or cessation of the Service
- • Loss of data or information
Professional Advice Recommended
Always consult with qualified financial advisors, real estate professionals, and tax specialists before making significant financial decisions. Our tools should supplement, not replace, professional advice.
Third-Party Services
Google AdSense
Our website displays advertisements served by Google AdSense. These advertisements may use cookies and other tracking technologies to provide personalized ads based on your browsing history and interests.
We do not control the content of these advertisements or the practices of third-party advertisers. For more information about how these services handle your data, please refer to our Privacy Policy.
Third-party links, if any, are provided for your convenience only. We do not endorse or recommend any third-party websites, products, or services, and we are not responsible for their content or practices.
Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of ownorent.com and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
Your continued use of the Service after any such changes constitutes your acceptance of the new Terms of Service. If you do not agree to the new terms, please stop using the Service.
Termination
We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Upon termination, your right to use the Service will cease immediately.
Contact Information
If you have any questions about these Terms of Service, please contact us by email.