Terms of Service

By creating an account, accessing, or using the Service, you agree to these Terms of Service (“Terms”). If you use the Service on behalf of an organization, you represent you are authorized to bind that organization and “you” includes that organization. If you do not agree, do not use the Service.

You must be at least 18 years old and legally capable of entering into contracts. You are responsible for your account, credentials, and all activity under it. Promptly notify us of any unauthorized use.

Plans & Billing. Paid features are billed in advance on a subscription basis. You authorize us and our payment processor to charge your selected payment method for recurring fees, applicable taxes, and any overages.

Trials. If you receive a free or discounted trial, renewal will occur at the then-current rate unless canceled before the end of the trial.

Changes. We may modify prices or plans on renewal with prior notice.

Refunds. Except where required by applicable law — including California’s Automatic Renewal Law and Consumers Legal Remedies Act — fees are non-refundable.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes, subject to these Terms.

You agree not to: (a) decompile, reverse engineer, or copy the Service; (b) bypass security; (c) use the Service to develop a competing product; (d) upload malware or infringing, unlawful, or harmful content; (e) misrepresent your identity; or (f) send spam or automate scraping beyond documented APIs.

Customer Data. You retain ownership of data you submit to the Service (“Customer Data”). You grant us a worldwide, non-exclusive license to host, process, transmit, and display Customer Data to operate the Service.

We will not use Customer Data to train third-party artificial intelligence or machine learning models without your separate written consent. We may use aggregated or de-identified data (which does not identify you or any individual) for analytics and to improve the Service.

Data Protection. We process personal data in accordance with our Privacy Policy (incorporated by reference). EU users have rights under GDPR and California users have rights under the CCPA/CPRA. See our Privacy Policy for details.

We implement reasonable technical and organizational measures designed to protect Customer Data. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

The Service may use algorithms and third-party models to generate calculations, forecasts, or narrative outputs (“Outputs”). Outputs are provided “AS IS” for informational purposes only, may contain errors, and should be independently verified. You are solely responsible for your decisions and compliance obligations.

The Service and all Outputs are educational and informational tools only. They do not constitute investment advice, a solicitation, recommendation, or an offer to buy or sell securities or real estate, nor do they provide legal, tax, or accounting advice. You should consult licensed professionals before making decisions. References to regulatory frameworks (e.g., SEC/FINRA marketing rules) are informational and do not imply our registration or advice status.

As part of the Service, you may submit deal information to be matched with participating lender partners (“Lender Match”). By submitting a deal, you acknowledge that:

• Coliving Calculator operates as a technology platform and is not a lender, mortgage broker, or loan originator;
• we do not guarantee that any lender will respond, engage, or offer financing;
• matched lenders are independent third parties, and their conduct, offers, communications, and lending decisions are not our responsibility;
• we do not control lender availability, creditworthiness determinations, or loan terms;
• your prior express written consent to be contacted by matched lenders is governed by the consent disclosure provided at the time of deal submission; and
• revoking consent from Coliving Calculator does not automatically revoke consent previously shared with individual lender partners — to revoke consent from a specific lender, contact that lender directly.

Coliving Calculator is not responsible for the accuracy of lender information, the suitability of any lender for your transaction, or any loss arising from your engagement with a matched lender.

The Service may interoperate with third-party products, data sources, or APIs. Their terms and privacy policies govern those offerings. We are not responsible for third-party services and do not control their availability or performance.

The deal, in plain English.The calculator is free to use. In exchange, you agree that we may show you sponsored content and partner offers inside the Service and — if you give us your email — send you our newsletter and relevant marketing messages. That’s how a free tool stays free. You can unsubscribe from emails at any time via the link in every message; in-product sponsored placements are part of the free Service.

Marketing consent. If you provide your email (account signup or downloading a resource), you consent to receive marketing communications from us and service messages about your account. Marketing is opt-out anytime; service messages are not.

Compensation disclosure. Some offers shown in the Service (e.g., lenders, service providers) may pay us a referral fee or commission. Sponsored placements are selected by us and do not constitute an endorsement or a recommendation that any offer fits your situation.

The Service, documentation, and all related IP are owned by us and our licensors. “Coliving Calculator” is a trademark pending of Coliving Capital Ventures.

You grant us a royalty-free, perpetual, irrevocable, worldwide license to use feedback you provide to improve the Service.

With your prior written consent, we may use your organization’s name and logo to identify you as a customer on our website and marketing materials. To grant consent or to withdraw previously granted consent, contact us at support@colivingcalculator.com.

If you believe content on the Service infringes your copyright, send a DMCA notice to our designated agent: Clara [Last Name], 100 Summit Dr, Burlington, MA 01803, support@colivingcalculator.com including the elements required by 17 U.S.C. §512(c)(3). We will expeditiously remove or disable access to alleged infringing material consistent with the DMCA safe harbor framework, and we process counter-notices as permitted by law.

You must comply with applicable export, re-export, and sanctions laws (including the U.S. Export Administration Regulations and related BIS guidance). You may not access or use the Service in violation of such laws, including for prohibited end uses or by restricted parties.

We may offer features identified as alpha, beta, preview, or evaluation. They may be unstable, time-limited, or discontinued and are provided “AS IS” without any warranty or support commitments.

We aim for high availability but do not guarantee uninterrupted Service. Planned maintenance, emergency downtime, or factors beyond our control may affect availability.

THE SERVICE, OUTPUTS, AND ALL RELATED MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR AFFILIATES OR SUPPLIERS ARE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, GOODWILL, OR DATA; OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IN ANY 12-MONTH PERIOD WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THAT PERIOD.

You will defend, indemnify, and hold us harmless from and against claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) your content or data; (c) your breach of these Terms; or (d) your violation of law or third-party rights.

These Terms remain effective while you use the Service. We may suspend or terminate access (with or without notice) for violations of these Terms, legal risk, non-payment, or to protect the Service and users. You may terminate at any time, effective at the end of your current subscription term. Upon termination, your license ends and you must cease use. We may retain and use data as permitted by our Privacy Policy and applicable law.

Informal Resolution. Contact us first to resolve disputes.

Binding Arbitration. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its applicable rules for consumer or commercial disputes. Venue will be Middlesex County, Massachusetts, and proceedings will be in English. Judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver. Disputes must be brought in an individual capacity and not as a class action, class arbitration, or representative proceeding.

Opt-Out. You may opt out of arbitration within 30 days of accepting these Terms by emailing support@colivingcalculator.com with your name, account email, and a clear statement that you opt out.

Injunctive Relief. Either party may seek injunctive relief in court to protect IP or misuse of confidential information while arbitration is pending.

These Terms are governed by the laws of the State of Massachusetts, excluding conflicts of law rules. Subject to the arbitration provision, the exclusive venue for disputes will be state or federal courts located in Middlesex County, Massachusetts, and you consent to their jurisdiction.

We may update the Service and these Terms from time to time. Material changes will be notified via the Service or email. Changes take effect upon posting (or later date specified). If you continue to use the Service after changes become effective, you accept the updated Terms.

We may provide notices via email, the Service interface, or posting on our site. You are responsible for keeping your contact information current.

These Terms (plus the Privacy Policy, DPA if applicable, and order forms) are the complete agreement. If any provision is found unenforceable, the remainder remains in effect. You may not assign these Terms without our written consent; we may assign to an affiliate or in connection with a merger, acquisition, or sale of assets.

Legal & Privacy: support@colivingcalculator.com

DMCA Agent (17 U.S.C. §512): [Name/Title], 100 Summit Dr, Burlington, MA 01803, 617-299-1053, [Email].

This Data Processing Addendum (“DPA”) supplements the Terms of Service between Acres Enterprises LLC (“Processor”) and the Customer (“Controller”) when Customer Data includes personal data subject to GDPR, UK GDPR, or similar laws.

1. Roles & Scope. Customer is Controller; Coliving Capital Ventures is Processor. Processing is limited to providing the Service in accordance with the Terms.

2. Processor Obligations.

• Process data only on documented instructions from Controller.
• Implement appropriate technical and organizational measures for security.
• Ensure confidentiality of personnel with access to personal data.
• Assist Controller in fulfilling data subject rights requests and regulatory obligations (e.g., breach notifications, DPIAs).
• Notify Controller without undue delay upon becoming aware of a data breach.
• Maintain records of processing as required by law.

3. Subprocessors. Processor may engage subprocessors (e.g., hosting, billing, analytics) with appropriate contractual safeguards. Current subprocessors are listed in the Subprocessor List below.

4. International Transfers. Transfers outside the EEA/UK will comply with GDPR Chapter V, typically through Standard Contractual Clauses (SCCs).

5. Data Subject Requests. Processor shall forward any data subject request it receives directly to Controller, unless otherwise instructed.

6. Termination & Deletion. Upon termination of Services, Processor will delete or return all personal data, unless retention is required by law.

7. Audits. Processor will make available information necessary to demonstrate compliance and allow audits by Controller or an appointed auditor under reasonable conditions.

8. Liability. This DPA does not expand liability under the Terms; parties remain liable as set forth therein.

This identifies the subprocessors authorized by Acres Enterprises LLC to process Customer Data on behalf of our customers, in accordance with our Terms of Service, Privacy Policy, and DPA. Effective Date: June 2, 2026.

Updates to This List. We may add or replace subprocessors. Customers will be notified of material changes at least 30 days in advance. Customers may object in writing if a change materially impacts data protection.

Contact: support@colivingcalculator.com