LEGAL

Terms of Service

Effective Date: August 16, 2026

By accessing or using DwellQ (available at dwellq.io, the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service. DwellQ is operated by DwellQ LLC, a New Jersey limited liability company (“Company,” “we,” “our”).

We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the revised Terms. We will indicate the effective date at the top of this document. If we make material changes to these Terms, we will notify registered users via the email address associated with their account.

The Service is provided exclusively by DwellQ LLC, a New Jersey limited liability company. All obligations, warranties, representations, liabilities, and responsibilities described in these Terms are those of DwellQ LLC as a legal entity. No individual member, manager, officer, employee, or agent of DwellQ LLC assumes any personal liability under these Terms or in connection with the operation of the Service, except to the extent required by applicable law. Any legal claim arising from or related to the Service must be brought against DwellQ LLC, not against any individual associated with the Company.

DwellQ provides interactive financial modeling tools that allow users to compare the long-term financial outcomes of renting versus buying a home. The Service is offered through multiple tiers, which may include free and paid options. The specific features, pricing, and availability of each tier are described on the DwellQ pricing page at dwellq.io and may be updated from time to time.

All calculations are performed client-side in your web browser using JavaScript. Your financial inputs (home price, income, rent amount, etc.) are not transmitted to DwellQ servers during calculation. If you choose to save a scenario to your account, the inputs and results for that scenario are stored securely in our database (Supabase) so you can access them across devices. Your journey progress (which educational tools you have completed) is also synced to your account. Saved data is protected by row-level security and can be deleted at any time by requesting account deletion via support@dwellq.io.

This is the most important section of these Terms.

DwellQ is an educational and informational tool. Nothing provided by the Service constitutes financial advice, tax advice, investment advice, real estate advice, or legal advice. Specifically:

• No professional advice: DwellQ does not provide personalized financial recommendations. The Service does not know your complete financial situation, goals, risk tolerance, tax circumstances, or personal needs.
• Hypothetical projections only: All results, including net worth comparisons, monthly cost analyses, and tax estimates, are hypothetical projections based entirely on the assumptions you input. They are not predictions or guarantees of actual outcomes.
• Tax estimates are approximations: Tax calculations within DwellQ are simplified estimates. They do not account for your complete tax situation, all applicable deductions and credits, AMT considerations, state-specific rules beyond basic rates, or changes in tax law. They are not a substitute for professional tax preparation or advice.
• Market assumptions are not forecasts: Home appreciation rates, investment return rates, rental appreciation rates, and interest rate projections used in calculations are based on user inputs or historical averages. Past performance does not guarantee future results. Actual market conditions may vary significantly.
• Consult professionals: Before making any financial decision — including whether to rent or buy a home — you should consult with a qualified financial advisor, tax professional, real estate attorney, and/or licensed real estate agent who can evaluate your specific circumstances.

DwellQ may offer one or more paid tiers with enhanced features. The current pricing, features included in each tier, and payment structure (one-time purchase or recurring subscription) are displayed on the DwellQ pricing page at dwellq.io. Pricing and tier features are subject to change at our discretion. Any price changes will apply only to new purchases or subscription renewals — they will not retroactively affect existing purchases or active subscription periods. If you purchased or subscribed to a tier at a stated price, that price governs your purchase or current billing cycle.

Upon successful payment, you receive a personal, non-transferable, non-exclusive license to access the features of the paid tier you purchased, as described on the pricing page at the time of your purchase. This license is for your individual use only and may not be shared, resold, sublicensed, or transferred to any other person or entity, unless the terms of your specific tier explicitly permit multi-user or organizational access.

Certain tiers may be offered as a one-time purchase. Upon successful payment, you receive perpetual access to the tier's features as they exist at the time of purchase, subject to continued availability of the Service. DwellQ may add features to or remove features from any tier at any time, but will not remove core functionality that was part of the tier at the time of your purchase without providing equivalent or superior replacement functionality.

Certain tiers may be offered as recurring subscriptions billed on a monthly, annual, or other periodic basis.

• Auto-renewal: Subscriptions automatically renew at the end of each billing period at the then-current price unless you cancel before the renewal date. You authorize DwellQ (via Stripe) to charge your payment method on file for each renewal period.
• Cancellation: You may cancel your subscription at any time through your account settings or by emailing support@dwellq.io. Cancellation takes effect at the end of your current billing period — you will retain access to paid features through the end of the period you have already paid for. No partial refunds are issued for unused time within a billing period.
• Price changes: If we increase the price of a recurring subscription, we will notify you at least 30 days before the change takes effect. If you do not cancel before the new price takes effect, your continued subscription constitutes acceptance of the new price.
• Free trials: If DwellQ offers a free trial of any paid tier, access will revert to the free tier at the end of the trial period unless you purchase. Free trials do not automatically convert to paid subscriptions. The trial terms, duration, and post-trial pricing will be disclosed before you enroll.

All payments are processed securely by Stripe, Inc. DwellQ does not directly store your credit card number, bank account details, or other payment credentials. Your payment information is handled in accordance with Stripe's terms of service and PCI-DSS compliance standards.

Free trial: DwellQ offers a free trial of paid tiers so you can evaluate all features before purchasing. The trial duration and terms will be disclosed before you enroll. No credit card is required to start a trial. Use the trial period to determine whether Q+ is right for your needs.

30-day money-back guarantee: If Q+ is not useful to you, email support@dwellq.io within 30 days of purchase and we will issue a full refund — no questions asked. If you experience a technical issue that prevents you from accessing paid features, contact support@dwellq.io and we will work to resolve it.

If you dispute a charge with your bank or credit card company instead of contacting us first, DwellQ reserves the right to suspend your access to the Service pending resolution. We encourage you to contact support@dwellq.io before initiating a dispute so we can resolve the issue directly.

Certain features of the Service require you to create an account. When you register, you provide an email address and password. Your password is stored as a cryptographic hash — DwellQ never stores your password in plaintext. Authentication is managed through Supabase, a third-party infrastructure provider.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@dwellq.io if you suspect unauthorized use of your account. DwellQ is not liable for any loss arising from unauthorized use of your account that results from your failure to safeguard your credentials.

You may request deletion of your account at any time by emailing support@dwellq.io. Upon deletion, your access to paid features will cease and we will delete your personal data in accordance with our Privacy Policy. Account deletion does not entitle you to any credit for prior purchases.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to reverse-engineer, decompile, disassemble, or derive source code from the Service.
• Resell, redistribute, or sublicense access to any paid tier or premium features.
• Share your account credentials with any third party, or allow any third party to access paid features through your account.
• Use automated tools (bots, scrapers, crawlers) to access the Service without prior written consent.
• Interfere with or disrupt the integrity or performance of the Service or its underlying infrastructure.
• Misrepresent DwellQ results as professional financial, tax, or legal advice to third parties.
• Use the Service to generate content or analysis for the purpose of providing paid financial advisory services to others, unless you are on a tier that expressly permits professional or commercial use.

All content, features, functionality, design, code, trademarks, and branding of DwellQ (including the DwellQ name, logo, and the gold “Q” mark) are owned by DwellQ LLC and are protected by United States and international intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.

Any analysis results generated by the Service using your inputs are yours to use for personal decision-making. However, the underlying calculation engine, methodology, report templates, and presentation format remain the intellectual property of DwellQ LLC.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

DWELLQ DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE RESULTS OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE FOR YOUR SPECIFIC SITUATION; (C) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; OR (D) THE CALCULATIONS REFLECT CURRENT TAX LAWS, MARKET CONDITIONS, OR LENDING REQUIREMENTS.

THIS DISCLAIMER APPLIES EQUALLY TO ALL USERS OF THE SERVICE, WHETHER USING FREE OR PAID TIERS. PAYMENT FOR A PREMIUM TIER DOES NOT CREATE ANY ADDITIONAL WARRANTIES BEYOND THOSE EXPRESSLY STATED IN THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DWELLQ LLC, ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL DWELLQ LLC’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE ACTUALLY PAID TO DWELLQ IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY DOLLARS ($50.00).

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, WHETHER CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND EVEN IF DWELLQ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES TO ALL USERS REGARDLESS OF TIER.

You agree to indemnify, defend, and hold harmless DwellQ LLC, its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or in any way connected with: (a) your use of the Service; (b) your violation of these Terms; (c) your reliance on any calculations, projections, or information provided by the Service; (d) any financial, tax, real estate, or legal decisions you make based on the Service's output; or (e) your use of the Service's output in connection with providing advice or services to third parties.

The Service integrates with the following third-party providers. Your use of these services is subject to their respective terms:

• Stripe, Inc. — payment processing (stripe.com/legal)
• Supabase, Inc. — authentication and database infrastructure (supabase.com/terms)
• Vercel, Inc. — web hosting and deployment (vercel.com/legal)
• Resend — transactional email delivery (resend.com/legal)
• PostHog — anonymized product analytics (posthog.com/terms)
• Anthropic, PBC — the AI model behind the Q+ assistant, what-if translation, and report summary (anthropic.com/legal)

DwellQ is not responsible for the practices, policies, or availability of these third-party services. We may add, remove, or replace third-party service providers at any time without notice, provided we update our Privacy Policy to reflect any changes that affect your data.

We may suspend or terminate your access to the Service at our sole discretion, without notice, for conduct that we determine violates these Terms or is harmful to other users, the Company, or third parties. Upon termination, your right to use the Service ceases immediately.

If we terminate your account for a reason other than a violation of these Terms, and you are on an active paid subscription, we will provide a pro-rata credit for any unused portion of your current billing period. If your account is terminated due to a Terms violation, no credit will be issued.

Sections 1.1, 3, 7, 8, 9, 10, 13, and 15 survive termination.

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict-of-law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in New Jersey, and you consent to personal jurisdiction and venue in such courts.

Before filing any legal claim, you agree to attempt to resolve the dispute informally by contacting support@dwellq.io with a detailed description of your concern. We will attempt to resolve the dispute within 30 days. If informal resolution fails, either party may proceed with formal legal action.

If any provision of these Terms is held to be unenforceable or invalid, such provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

DwellQ LLC shall not be liable for any failure or delay in performing its obligations under these Terms to the extent such failure or delay results from circumstances beyond its reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, riots, government actions or orders, power outages, internet or telecommunications failures, failures of third-party service providers (including Stripe, Supabase, Vercel, and Resend), cyberattacks, changes in applicable law or regulation, or any other event that could not have been reasonably foreseen or prevented. During any such event, DwellQ LLC's obligations under these Terms are suspended for the duration of the event. This provision does not affect your statutory rights as a consumer.

These Terms, together with the Privacy Policy and Financial Disclaimer, constitute the entire agreement between you and DwellQ LLC regarding your use of the Service and supersede all prior agreements, understandings, and communications. The pricing, features, and terms displayed on the DwellQ pricing page at the time of your purchase are incorporated by reference into these Terms.

By creating an account or completing a purchase on DwellQ, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. For paid tiers, completing a purchase constitutes your affirmative consent to these Terms, including the financial disclaimer, limitation of liability, purchase policy, and (for recurring subscriptions) the auto-renewal terms described in Section 4.4.

We strive to make DwellQ accessible to all users. If you encounter accessibility barriers that prevent you from using the Service, please contact support@dwellq.io and we will work to address the issue. Accessibility limitations do not affect the applicability of these Terms, including the financial disclaimer and limitation of liability.

If you have questions about these Terms, please contact us:

Email: support@dwellq.io

Website: dwellq.io

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