Terms of Use

These terms govern your use of housingunpacked.com and the content, tools and newsletter we provide (together, “the site”). By using the site you agree to them. If you do not agree, please do not use the site.

Informational purposes only

Everything on the site, including articles, lessons, glossary entries, calculators, charts, figures and newsletters, is provided for general informational and educational purposes. It does not constitute investment, legal, tax, financial, accounting, real estate, engineering or other professional advice, and it is not an offer or solicitation to buy, sell or invest in any property, security or project.

Modeled figures on the site are the arithmetic results of stated assumptions, not predictions or measurements. They are illustrative and may not reflect the costs, rents, financing terms or rules that apply to any particular project, market or time. Before making any decision that depends on the kinds of questions we write about, consult a qualified professional who can evaluate your specific circumstances.

No warranty

We work to make the site accurate and keep it current, and we correct errors under our Corrections Policy. Nonetheless, the site is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted or error-free.

Limitation of liability

To the fullest extent permitted by law, Housing Unpacked and its owners, authors and contributors will not be liable for any loss or damage of any kind arising from your use of, or reliance on, the site or its content, including any decision made on the basis of a figure, model or explanation published here. Some jurisdictions do not allow certain limitations of liability, in which case these limits apply to the extent permitted.

Intellectual property

The content of the site, including text, charts, graphics, calculators, the Housing Unpacked name and logo, is owned by Housing Unpacked or its licensors and is protected by copyright and trademark law. Sources we cite remain the property of their publishers.

You may read, share links to, and quote brief excerpts from our content for non-commercial purposes with attribution to Housing Unpacked and a link to the original. You may not republish articles in full, reproduce our charts or calculators without the attribution they carry, remove disclosures or corrections from excerpted material, or use our content to train or operate a commercial product without our written permission. Journalists, researchers and educators who would like broader permission can write to us; we are generally glad to grant it.

Acceptable use

• Do not use the site in any way that violates applicable law or infringes the rights of others.
• Do not attempt to gain unauthorized access to the site, its administrative interface, its database or its infrastructure.
• Do not use automated means to scrape, harvest or bulk-download content beyond what is permitted by our robots.txt and RSS feed, and do not submit forms by automated means.
• Do not submit content that is unlawful, defamatory, infringing, deceptive or harmful, and do not impersonate any person or organization.
• Do not interfere with the operation of the site or impose an unreasonable load on it.

Reader submissions

If you send us a question, comment, correction or other material, you grant us a non-exclusive, royalty-free, perpetual license to use it in connection with the publication, including by quoting it in an article or newsletter. We will remove identifying details unless you tell us we may use your name. You confirm that anything you send is your own or that you have the right to share it. How we handle personal information in submissions is described in our Privacy Policy.

Newsletter

By subscribing you agree to receive our newsletter at the address you provide. You can unsubscribe at any time using the link in any email. We do not sell or rent subscriber lists.

Links to other sites

The site links to sources and other third-party websites. We link to them because we think they are useful, not because we endorse or control them. We are not responsible for their content, accuracy or privacy practices, and their terms govern your use of them.

Changes to the site and these terms

We may change, suspend or discontinue any part of the site at any time. We may also revise these terms; when we do, we will record the revision on this page. Continued use of the site after a change means you accept the revised terms.

Contact

Questions about these terms can be sent to hello@housingunpacked.com.