Terms of Service

1. Description of Service

Profit Genie Calculator is a mobile application developed and operated by Sava Home Consultants LLC that provides creative finance real estate calculation tools, analysis features, and report generation for real estate investors. The service includes:

• 7 creative finance strategy calculators
• Deal analysis and comparison tools
• Professional PDF report generation
• Cash flow projections and ROI calculations
• Mobile access on iOS and Android devices
• Offline functionality and data sync

2. Subscription and Billing

Free Trial

• Duration: 7-day free trial with full access to all features
• No Credit Card Required: You can start your trial without providing payment information
• Trial Limitations: One free trial per user account
• Automatic Conversion: Trial converts to paid subscription unless cancelled

Subscription Plans

• Monthly Subscription: $12.99 per month
• Annual Subscription: $124.70 per year (20% savings)
• All Features Included: Both plans include access to all calculator features
• Auto-Renewal: Subscriptions automatically renew unless cancelled

Payment Processing

• App Store/Google Play: All payments processed through official app stores
• Billing Date: Charges occur on the same date each billing period
• Payment Methods: Accepted payment methods determined by your app store
• Currency: Prices displayed in your local currency

Cancellation

• How to Cancel: Through your App Store or Google Play account settings
• Timing: Must cancel at least 24 hours before renewal to avoid charges
• Access: Continued access until the end of current billing period
• No Partial Refunds: No refunds for partial billing periods

3. Refund Policy

4. User Responsibilities

Account Security

You agree to:

• Provide accurate and complete information when creating your account
• Maintain the security of your account credentials
• Not share your account with others
• Notify us immediately of any unauthorized use of your account
• Update your information as needed to keep it current

Acceptable Use

You agree to use the service only for lawful purposes and in accordance with these terms. You will not:

• Use the service for any illegal or unauthorized purpose
• Attempt to reverse engineer, decompile, or hack the application
• Share, distribute, or resell access to the service
• Use automated systems to access the service
• Interfere with or disrupt the service or servers

Professional Responsibility

• Independent Verification: Verify all calculations independently before making investment decisions
• Professional Advice: Consult with qualified professionals (attorneys, accountants, real estate agents) before proceeding with deals
• Legal Compliance: Ensure all real estate activities comply with applicable laws and regulations
• Due Diligence: Conduct proper due diligence on all investment opportunities

5. Intellectual Property

The Profit Genie Calculator app, including all content, features, functionality, software, algorithms, and design, is owned by Sava Home Consultants LLC and protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

License Grant

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Profit Genie Calculator app for your personal or business use in accordance with these Terms.

6. Disclaimers and Limitations

Calculation Accuracy

While we strive for accuracy in our calculations, you acknowledge that:

• All calculations are estimates based on the information you provide
• Actual results may vary due to market conditions, legal requirements, and other factors
• You should verify all calculations independently
• We are not liable for any errors or omissions in calculations

7. Limitation of Liability

To the fullest extent permitted by law, Sava Home Consultants LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

8. Indemnification

You agree to defend, indemnify, and hold harmless Sava Home Consultants LLC and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the service or violation of these Terms.

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

10. Modifications to Service and Terms

Service Changes

We reserve the right to modify, suspend, or discontinue any part of the service at any time with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the service.

Terms Changes

We may update these Terms from time to time. We will notify you of any material changes by posting the updated Terms in the app and updating the "Last Updated" date. Your continued use of the service after such changes constitutes acceptance of the updated Terms.

11. Termination

Termination by You

You may terminate your account at any time by cancelling your subscription through your App Store or Google Play account settings and deleting the app from your device.

Termination by Us

We may terminate or suspend your account and access to the service immediately, without prior notice, if you breach these Terms or engage in conduct that we determine to be harmful to the service or other users.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid or unenforceable provision will be replaced with a valid and enforceable provision that most closely matches the intent of the original provision.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Sava Home Consultants LLC regarding the use of the service and supersede all prior agreements and understandings.

15. Contact Information