Terms of Use

1. ACCEPTANCE OF TERMS

By accessing and using the buyorrent.house website and calculator (the "Service"), you agree to be legally bound by these Terms of Use ("Terms"). If you do not agree to all the terms and conditions contained herein, you may not use this Service.

We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Service following any such modification constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms regularly.

2. DESCRIPTION OF SERVICE

buyorrent.house provides an interactive online calculator tool ("Calculator") designed to compare the estimated costs of buying versus renting a property in Ireland. The Service is provided "as-is" for informational and educational purposes only.

The Service includes:

• Rent vs. buy cost comparison calculations
• Input fields for property price, down payment, rental costs, and other variables
• Visual presentation of results (charts, metrics, breakdowns)
• Educational information about property-related costs
• Links to external resources and official sources

3. DISCLAIMER OF PROFESSIONAL ADVICE

3.1 NOT FINANCIAL OR LEGAL ADVICE

You acknowledge and agree that:

• The Service does NOT constitute financial advice, investment advice, or legal advice
• The Service is NOT provided by licensed financial advisors, investment advisors, or legal professionals
• You should NOT rely solely on the Service for making financial decisions
• You should consult with qualified professionals (accountants, financial advisors, solicitors) before making any property purchase or rental decisions

3.2 NOT AN ADVISER OR PROMOTER

buyorrent.house:

• Does NOT endorse or promote buying or renting
• Does NOT recommend any specific property, lender, insurance company, or service provider
• Is NEUTRAL and presents information only to help you understand costs
• Does NOT benefit from whether you choose to buy or rent

3.3 EDUCATIONAL PURPOSE ONLY

The Service is provided for educational purposes only to help users understand property-related costs in Ireland. It is a tool to support your research, not a replacement for professional consultation.

4. ACCURACY AND ERRORS

4.1 NO GUARANTEE OF ACCURACY

While we strive to provide accurate information, we do not guarantee that:

• All calculations will be error-free
• All data will be current or complete
• Results will be accurate for your specific situation
• Interest rates, tax rates, or rental data are real-time (though we aim to keep them current)

4.2 POTENTIAL SOURCES OF ERROR

Errors may occur due to:

• Bugs in the calculator software
• Outdated data (interest rates, property tax rates, rental averages)
• User input errors
• Government policy changes not yet reflected
• Market fluctuations
• Technical issues

4.3 YOUR RESPONSIBILITY

You are responsible for:

• Reviewing results carefully
• Verifying calculations independently if they will inform major decisions
• Consulting professionals before taking action based on results
• Checking official sources (Revenue.ie, Central Bank of Ireland, local authorities) for current rates

5. CALCULATIONS AND DATA

5.1 CALCULATION METHODOLOGY

The Service uses standard financial formulas and public data sources to generate estimates. These include:

• Mortgage calculations: Standard amortization formulas
• Interest rates: Based on Central Bank of Ireland data (current at time of access)
• Property tax rates: Based on official local authority rates (current at time of access)
• Rental data: Based on Daft.ie and market averages
• Property appreciation: Based on Central Statistics Office (CSO) historical data
• Government schemes: Based on Revenue.ie current regulations

7. THIRD-PARTY LINKS AND CONTENT

7.1 EXTERNAL LINKS

The Service contains links to external websites including:

• Revenue.ie
• Central Bank of Ireland
• Citizens Information
• Daft.ie
• Local authority websites
• Financial institutions
• Insurance providers
• Other property-related resources

We are NOT responsible for:

• Content on linked websites
• Accuracy of information on third-party sites
• Availability or functionality of linked sites
• Privacy practices of third-party websites
• Any transactions or interactions with third parties

8. USER CONDUCT

8.1 PERMITTED USE

You agree to use the Service only for:

• Personal, non-commercial property decision-making
• Educational purposes
• Research and analysis
• Lawful purposes

8.2 PROHIBITED CONDUCT

You agree NOT to:

• Use the Service for commercial purposes without permission
• Scrape, crawl, or automatically access the Service
• Reverse-engineer or attempt to access source code
• Use the Service in any illegal or deceptive manner
• Attempt to gain unauthorized access to systems
• Spam, harass, or abuse other users
• Share credentials or allow others unauthorized access
• Reproduce or distribute the Service content without permission

10. LIMITATION OF LIABILITY

10.1 NO WARRANTIES

The Service is provided "AS-IS" without any warranties, including:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness
• Uninterrupted service
• Error-free operation

10.2 LIMITATION OF DAMAGES

To the maximum extent permitted by law, we are not liable for:

• Any errors or inaccuracies in calculations
• Financial losses or damages resulting from using the Service
• Incorrect decisions made based on Service results
• Loss of data or inability to access calculations
• Third-party claims or actions
• Indirect, incidental, consequential, or punitive damages
• Any damages exceeding the fees paid (if any)

Even if we have been advised of the possibility of such damages.

10.3 YOUR ASSUMPTION OF RISK

By using the Service, you assume all risk of:

• Accuracy of calculations
• Appropriateness for your situation
• Financial consequences of decisions made using the Service
• Data loss or deletion

11. INDEMNIFICATION

You agree to indemnify and hold harmless buyorrent.house, its owners, employees, and agents from any claims, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your decisions based on Service results
• Your infringement of third-party rights
• Any harm caused by your actions

12. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of Ireland, without regard to its conflict of law principles.

Any dispute arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Ireland. You agree to submit to the jurisdiction of Irish courts.

16. CONTACT INFORMATION

For questions about these Terms, contact:

17. CHANGES TO TERMS

We may modify these Terms at any time. Changes become effective immediately upon posting to the website. Your continued use of the Service after any modification constitutes acceptance of the updated Terms.

It is your responsibility to review these Terms periodically for changes.