Landlord.am

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1) "As-Is / As-Available" Use, No Guarantees, Release of Claims

The Service is provided "as is" and "as available", without warranties or guarantees of any kind (express or implied), including accuracy, completeness, reliability, availability, or fitness for any purpose.

By continuing, you agree that you use the Service at your own risk and you release and discharge the Service and its owners/operators from claims, demands, and liability arising from your use of the Service, including disputes, losses, or damages.

To the maximum extent permitted by law, you agree not to bring or participate in legal claims (including lawsuits, class actions, or other proceedings) against the Service or its owners/operators based on your use of the Service or reliance on its outputs.

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The Service is provided for general information and educational purposes only. It is not financial advice, investment advice, legal advice, tax advice, or any other professional advice.

You should not make financial decisions based solely on the Service. Always consider speaking with a qualified professional (e.g., licensed financial advisor, accountant, or lawyer) before taking action.

3) Use at Your Own Risk

You are solely responsible for how you use the information generated by the Service and for any decisions you make. You agree that you will not rely on the Service as a substitute for professional judgment or personalized advice.

4) Known Limitations and Potential Errors

The Service may contain known issues and may produce inaccurate, incomplete, or outdated results. Examples include (but are not limited to):

• Calculation errors or rounding differences that may impact projections.
• Incorrect assumptions (default inflation rates, return rates, tax rates, CPP/OAS estimates, retirement age assumptions, etc.).
• Data entry sensitivity: small input mistakes (dates, balances, income frequency) can produce large output differences.
• Outdated rules: tax rules, benefit rules, contribution limits, and eligibility criteria may change and the Service may not reflect updates immediately.
• Regional variations not captured: results may differ by province/state/country and your personal situation.
• Model simplifications: real life is complex—market volatility, sequence-of-returns risk, fees, behavioral factors, and timing effects may not be fully modeled.
• No guarantee of accuracy: outputs are estimates, not predictions, and are not guaranteed.
• Third-party data limitations (if used): external sources may be wrong, delayed, or unavailable.
• Technical issues: the Service may experience downtime, bugs, interruptions, or loss of data.
• Security and access risks: while we use reasonable safeguards, no system can be guaranteed 100% secure.

5) Not a Solicitation or Offer

Nothing in the Service is an offer to buy or sell securities, a recommendation of any investment strategy, or an endorsement of any financial product.

6) Limitation of Liability

To the maximum extent permitted by law, the Service and its owners/operators will not be liable for any losses or damages (direct or indirect) resulting from your use of—or inability to use—the Service, including decisions made based on information provided by the Service.

7) Confirmation

By clicking "I Agree" or continuing to use the Service, you confirm that:

• you understand the Service may contain errors,
• you will not treat it as professional advice, and
• you assume full responsibility for your decisions.