These Terms of Service ("Terms") govern your access to and use of Torvani (the "Service"), operated by Smart Technology Investments LLC ("Company," "we," "us," "our"). By using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

By accessing or using Torvani, you represent that you are at least 18 years old, have the legal capacity to enter into these Terms, and agree to comply with them. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Torvani uses publicly available federal housing data from FHFA, Census ACS, BLS, HUD, and Freddie Mac combined with Monte Carlo simulation, NPV breakeven analysis, and tax impact modeling to help consumers compare the total cost of renting vs. buying a home. The Service is informational only.

3. Not Financial or Real Estate Advice

Torvani is not a licensed financial advisor, real estate broker, or mortgage lender. The cost comparisons and breakeven analyses provided are based on publicly available data and statistical models. They do not constitute recommendations to buy, rent, or sell any property.

You should always:

Consult a licensed financial advisor for personalized financial advice
Work with a licensed real estate professional for property transactions
Verify all cost estimates with your mortgage lender and insurance provider
Consult a CPA for tax-related questions specific to your situation

4. Data Accuracy Disclaimer

Our cost estimates are derived from FHFA House Price Index, Census ACS, BLS CPI Shelter, Freddie Mac PMMS, and HUD Fair Market Rent datasets that are updated on their own schedules. We do not guarantee the accuracy, completeness, timeliness, or fitness for any particular purpose of data derived from third-party sources.

Cost estimates are probabilistic, not guarantees. Monte Carlo simulations show probability distributions based on historical data. Past housing market performance does not guarantee future results. Tax calculations are estimates; consult a CPA for your specific situation.

5. Permitted Use

You may use the Service for lawful personal or commercial research purposes. You agree not to:

Reproduce, resell, or sublicense our analysis outputs without a commercial license
Scrape or systematically extract data from the Site beyond API rate limits
Represent our data as official government data or as financial advice
Attempt to reverse-engineer our simulation algorithms or scoring methodology
Use the Service to harass, defame, or harm any person or entity

6. Credits and Billing

Torvani uses a per-report credit system. Credits are purchased as one-time payments (not subscriptions) via Stripe. Single reports cost 1 credit ($12), report packs provide 5 credits ($35), and API credit packs are available for developers. All fees are in U.S. dollars and are non-refundable except as required by applicable law. We may change pricing with 30 days' notice.

7. API Access

API subscribers receive API access subject to rate limits specified in the API documentation. API credentials are non-transferable. You are responsible for securing your API keys. We reserve the right to suspend API access for abuse or excessive usage.

8. Intellectual Property

The Service, including its design, simulation methodology, software, and compiled data outputs, is owned by Smart Technology Investments LLC and protected by copyright and other intellectual property laws. The underlying government datasets are in the public domain. Our original expression, analysis, and simulation methodology are proprietary.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SMART TECHNOLOGY INVESTMENTS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNTS YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify and hold harmless Smart Technology Investments LLC and its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved by binding arbitration in Los Angeles County, California, under the rules of the American Arbitration Association, except that either party may seek injunctive relief in court to protect intellectual property or confidential information.

13. Changes to Terms

We may update these Terms at any time. We will provide at least 14 days' notice of material changes via email or prominent Site notice. Continued use after the effective date constitutes acceptance of the revised Terms.

14. Termination

We may suspend or terminate your access to the Service at any time for violation of these Terms, with or without notice. You may terminate your account by contacting us and ceasing use of the Service. Unused credits are non-refundable upon termination.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Smart Technology Investments LLC with respect to the Service and supersede all prior agreements or understandings.

16. Contact

Smart Technology Investments LLC
Email: legal@smarttechinvest.com
Website: torvani.smarttechinvest.com