Terms of Service

Agreement to Terms

Welcome to ClimateRiskHomes.com. By accessing or using our website and services, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you may not access or use our services.

These Terms constitute a legally binding agreement between you and ClimateRiskHomes.com. Please read them carefully before using our platform.

Use of Our Services

Eligibility

You must be at least 13 years old to use ClimateRiskHomes.com. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use ClimateRiskHomes.com for personal, non-commercial purposes. This license does not include:

• Modifying or copying the website content or software
• Using the services for commercial purposes without written permission
• Attempting to decompile, reverse engineer, or discover source code
• Removing any copyright, trademark, or proprietary notices
• Transferring the services to another person or entity

Acceptable Use

You agree to use ClimateRiskHomes.com only for lawful purposes. You agree not to:

• Violate any applicable laws, regulations, or third-party rights
• Use automated systems (bots, scrapers) to access the site without permission
• Attempt to gain unauthorized access to our systems or networks
• Transmit viruses, malware, or other harmful code
• Interfere with or disrupt the services or servers
• Impersonate any person or entity or misrepresent your affiliation
• Harass, abuse, or harm other users or our staff
• Use the services to distribute spam or unsolicited communications

Important Disclaimers

Data Accuracy

While we strive to provide accurate and up-to-date information:

• Climate risk data is derived from government sources (FEMA, NOAA, EPA, USGS) which may contain errors or be outdated
• Risk scores are estimates based on available data and statistical models, not guarantees
• Local conditions may vary significantly from regional or national data
• Climate risks are constantly evolving and historical data may not predict future events
• We update data quarterly, but climate conditions can change more rapidly

Not Professional Advice

ClimateRiskHomes.com does not provide:

• Real Estate Advice: We are not real estate agents or advisors. Consult licensed professionals before buying or selling property.
• Insurance Advice: We do not provide insurance recommendations. Contact licensed insurance agents for coverage advice.
• Financial Advice: Our information is not financial advice. Consult financial advisors for investment decisions.
• Legal Advice: We do not provide legal counsel. Consult attorneys for legal matters related to property.
• Engineering or Structural Advice: We do not assess individual properties. Hire qualified inspectors for property evaluations.

Verification Required

You are responsible for:

• Verifying all climate risk information with local authorities
• Conducting your own due diligence before property purchases
• Obtaining professional inspections and assessments
• Reviewing official flood maps, fire hazard zones, and other government resources
• Consulting with local planning departments, emergency management, and building officials

Limitation of Liability

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF CLIMATERISKHOMES.COM SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS (WHICHEVER IS LESS).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Warranty Disclaimer

CLIMATERISKHOMES.COM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness of information
• Warranties that the service will be uninterrupted, secure, or error-free
• Warranties that defects will be corrected

You use ClimateRiskHomes.com at your own risk. We make no guarantees about the accuracy, completeness, or usefulness of any climate risk information provided.

Indemnification

You agree to indemnify, defend, and hold harmless ClimateRiskHomes.com and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of or access to ClimateRiskHomes.com
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Any decisions you make based on our climate risk information
• Any property purchases, sales, or investments influenced by our data

Intellectual Property

All content on ClimateRiskHomes.com, including text, graphics, logos, software, and design, is the property of ClimateRiskHomes.com or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Government Data

Climate data from government sources (FEMA, NOAA, EPA, USGS) is in the public domain. However, our presentation, analysis, scoring algorithms, and user interface are proprietary.

Permitted Use

You may:

• View and print individual risk reports for personal, non-commercial use
• Share links to specific pages or reports
• Reference our information with proper attribution

Prohibited Use

You may NOT:

• Republish, redistribute, or resell our content without permission
• Use our data in commercial products or services
• Scrape, copy, or download large amounts of data
• Remove copyright notices or attributions

Third-Party Links and Services

ClimateRiskHomes.com may contain links to third-party websites, resources, or services. These links are provided for your convenience only. We do not:

• Endorse or recommend third-party websites or services
• Control the content or availability of external sites
• Accept responsibility for third-party privacy practices or terms
• Guarantee the accuracy of information on external sites

Your use of third-party websites is at your own risk and subject to their terms and conditions.

Modifications to Services

We reserve the right to:

• Modify, suspend, or discontinue any part of ClimateRiskHomes.com at any time
• Change our risk scoring methodology or algorithms
• Update data sources or remove certain data types
• Add or remove features without notice
• Impose usage limits or restrictions

We are not liable for any modifications, suspensions, or discontinuations of our services.

Termination

We reserve the right to terminate or suspend your access to ClimateRiskHomes.com immediately, without prior notice or liability, for any reason, including:

• Violation of these Terms of Service
• Fraudulent, abusive, or illegal activity
• Requests by law enforcement or government agencies
• Unexpected technical or security issues

Upon termination, your right to use ClimateRiskHomes.com will immediately cease. All provisions of these Terms that should reasonably survive termination will survive, including disclaimers, limitations of liability, and indemnification.

Governing Law and Disputes

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of California, without regard to conflict of law principles.

Dispute Resolution

Any dispute arising from these Terms or your use of ClimateRiskHomes.com shall be resolved through:

1. Informal Negotiation: Contact us first to attempt good-faith resolution
2. Binding Arbitration: If informal resolution fails, disputes will be resolved through binding arbitration rather than court proceedings
3. Individual Claims Only: You agree to bring claims only in your individual capacity, not as part of a class action

Jurisdiction

You agree to submit to the personal jurisdiction of state and federal courts located in California for any actions not subject to arbitration.

Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the "Last Updated" date at the top of this page
• Material changes will be prominently posted on our website
• Your continued use after changes constitutes acceptance of the new Terms
• If you disagree with changes, discontinue use of ClimateRiskHomes.com

We encourage you to review these Terms periodically to stay informed of any updates.

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and ClimateRiskHomes.com regarding your use of our services and supersede any prior agreements or understandings.

Contact Information

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