Terms of service.

These Terms of Service (“Terms”) form a binding agreement between you and HavenScore(“we,” “us,” or “our”). By creating an account, subscribing to a paid plan, or otherwise using havenscore.app and any related services (collectively, the “Service”), you agree to these Terms and to our Privacy Policy and Disclaimers. If you do not agree, do not use the Service.

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

You must be at least 18 years old and capable of entering into a binding contract to use the Service. The Service is intended for use by residents of the United States. We do not target the Service to users outside the United States, and access from jurisdictions where our Service or its content would be unlawful is prohibited.

You may not use the Service if you have previously been suspended or removed for violation of these Terms.

Some features require a HavenScore account. You agree to provide accurate information, keep your contact email current, and protect your password. You are responsible for all activity that occurs under your account.

Accounts are issued to a single user. You may not share credentials, resell access, or allow more than one person to use a single account. Notify us promptly at support@havenscore.app if you suspect unauthorized use of your account.

The Service is offered on a free tier (Scout) and on paid tiers (Haven and Pro). Paid subscriptions are billed in advance on a monthly or annual cadence and renew automatically at the end of each billing period until you cancel. Prices and tier features are shown on the pricing page and may change with prospective notice.

Payments are processed by Stripe. By providing payment information, you authorize us and Stripe to charge the applicable fees plus any taxes to your selected payment method. You can manage, change, or cancel your subscription at any time from your account settings or via the Stripe customer portal.

Cancellation takes effect at the end of the current billing period. You retain access to paid features through that period and are not entitled to a partial refund for unused time, except as set out in the refund section below or as required by law.

We offer a 14-day refund window on a new paid subscription. To request a refund, contact support@havenscore.app within 14 days of your initial paid charge. Refund requests outside that window are reviewed case by case and are generally limited to billing errors and similar circumstances.

Refunds are issued to the original payment method. We may decline refund requests where we reasonably believe the Service has been misused.

The Scout (free) tier is available to anyone with an account, and some pages are accessible without an account at all. To keep the Service performant for everyone, we apply rate limits and a usage meter to anonymous and free-tier traffic. We may adjust these limits, the feature scope of any tier, or both, with reasonable notice.

Paid features are gated server-side. Attempting to bypass tier limits — for example, by manipulating cookies, scraping, or automating requests — is a violation of these Terms.

You agree not to:

• Scrape, bulk-download, or systematically harvest data from the Service.
• Resell, sublicense, or redistribute HavenScore output or derived data without our prior written permission.
• Reverse engineer, decompile, or attempt to extract the source code, scoring formulas, model weights, or pillar weightings of the Service.
• Access the Service through automated means in a way that imposes an unreasonable load on our infrastructure.
• Use the Service to violate any law, infringe intellectual property rights, or harass, defame, or harm any person.
• Misrepresent HavenScore output as your own analysis, or use it in a way that would imply HavenScore endorses a specific transaction, party, or property.
• Probe, scan, or test the vulnerability of the Service without our written permission, or interfere with security or authentication measures.

Reasonable consumer and professional use — researching markets, comparing ZIPs, sharing screenshots with attribution — is welcome.

The HavenScore name, logo, composite scores, sub-scores, market gauge, distress overlay, forecasts, and the design and structure of the Service are owned by HavenScore or our licensors and are protected by United States and international intellectual property laws.

Underlying public datasets — including Zillow Research, Realtor.com, the U.S. Census Bureau, Freddie Mac, the Federal Housing Finance Agency, the U.S. Department of Housing and Urban Development, the Bureau of Economic Analysis, and the Internal Revenue Service — are attributable to their respective sources and remain subject to those sources' terms.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, plus reasonable internal business use consistent with these Terms. All other rights are reserved.

Some features (saved searches, MyScore weights, saved ZIPs, persona settings) let you store information in your account. You retain ownership of that information; you grant us a non-exclusive license to host, process, and transmit it for the limited purpose of providing the Service.

If you send us feedback, suggestions, or feature requests, we may use them without restriction or obligation to you.

The Service relies on third-party providers (including Stripe, Supabase, Vercel, Resend, and Matomo) and may link to or surface third-party content. We do not control and are not responsible for the content, accuracy, or practices of third parties, including the original publishers of public data we ingest. Your use of third-party services is subject to their own terms and privacy policies.

We may modify, suspend, or discontinue any part of the Service at any time. We may also change pricing, tier features, or rate limits prospectively; if we do, we will give reasonable notice through the Service or by email.

We may update these Terms from time to time. When we do, we will update the “Effective” date at the top of this page and, for material changes, give notice through the Service or by email. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

You may stop using the Service at any time. You can cancel your subscription from account settings and request account deletion from the same place; deletion removes your saved data on a reasonable timeline (see the Privacy Policy).

We may suspend or terminate your account, with or without notice, if we reasonably believe you have violated these Terms, are misusing the Service, or where required by law. We may also wind down inactive accounts after extended periods of non-use. Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, HavenScore disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and uninterrupted or error-free operation.

HavenScore is informational analytics built from public data. It is not financial, legal, tax, investment, or real-estate advice, and your use of it does not create an advisor, broker, or fiduciary relationship between you and HavenScore. See our Disclaimers for details on data sources, forecasts, and the limits of what the Service can tell you.

To the fullest extent permitted by law, HavenScore and its officers, employees, and agents will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of the Service — even if we have been advised of the possibility of such damages.

Our total cumulative liability for any claim arising out of or related to the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100). Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless HavenScoreand our officers, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use or misuse of the Service, (b) your violation of these Terms, or (c) your violation of any law or any rights of a third party.

These Terms are governed by the laws of the State of [State to be specified by operator], without regard to its conflict-of-laws principles. You and HavenScore agree that the state and federal courts located in that state will have exclusive jurisdiction over any dispute arising out of or related to these Terms or the Service, except that we may seek injunctive relief in any court of competent jurisdiction to protect our intellectual property or confidential information.

These Terms, together with our Privacy Policy and Disclaimers, are the entire agreement between you and HavenScore regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets.

Questions about these Terms? Email legal@havenscore.app for legal questions, or support@havenscore.app for billing and account questions.