Terms of Service

Last Updated: January 2026

Welcome to Home Risk Report. By accessing or using our website at homeriskreport.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site.

1. Acceptance of Terms

By using Home Risk Report, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

Home Risk Report provides property and neighborhood intelligence compiled from publicly available data sources. Our services include:

• Property tax and valuation history
• School quality metrics and rankings
• Environmental risk assessments
• Neighborhood demographic analysis
• Infrastructure and connectivity data
• Market trend indicators

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.

3. Informational Purposes Only

THE INFORMATION ON THIS SITE IS PROVIDED FOR GENERAL INFORMATIONAL PURPOSES ONLY. It is not intended to be, and should not be construed as:

• Real estate advice or a property appraisal
• Legal advice or a legal opinion
• Financial or investment advice
• Environmental consulting or assessment
• A substitute for professional inspection or due diligence

Always consult qualified professionals (real estate agents, attorneys, inspectors, financial advisors) before making decisions based on information from this Site.

4. Data Accuracy Disclaimer

We aggregate data from various public sources including government databases, census records, and regulatory agencies. While we strive for accuracy:

• We do not guarantee the accuracy, completeness, timeliness, or reliability of any data
• Public records may contain errors or be outdated
• Data may not reflect recent changes to properties or neighborhoods
• Scores, grades, and ratings are algorithmic estimates, not verified facts
• Environmental and risk data are general assessments, not property-specific inspections

You assume all risk associated with using information from this Site. Independent verification is your responsibility.

5. Acceptable Use

You agree NOT to:

• Use the Site for any unlawful purpose
• Scrape, crawl, or automatically collect data from the Site without permission
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Site's operation
• Use the Site to harass, stalk, or harm any person
• Reproduce, redistribute, or commercially exploit our content without authorization
• Use the Site in any way that violates applicable laws or regulations

Violation of these rules may result in termination of access and legal action.

6. Intellectual Property

The Site's design, layout, graphics, user interface, and original content are owned by Home Risk Report and protected by copyright, trademark, and other intellectual property laws.

Public records data displayed on the Site remains in the public domain. However, our unique compilation, presentation, scoring algorithms, and analysis are proprietary.

You may not copy, modify, distribute, or create derivative works from our proprietary content without written permission.

7. Third-Party Content and Links

The Site may contain links to third-party websites (e.g., Zillow, Google Maps, government databases) and display data from third-party sources. We do not:

• Control or endorse third-party content
• Guarantee the accuracy of third-party data
• Accept liability for third-party websites or services

Your use of third-party sites is governed by their respective terms and policies.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

We specifically disclaim:

• Warranties of merchantability and fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness of data
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties regarding the results obtained from using the Site

Some jurisdictions do not allow disclaimer of implied warranties, so some of the above may not apply to you.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOUSEHISTORY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, business opportunities, or goodwill
• Any damages arising from your reliance on information from the Site
• Any damages resulting from errors, omissions, or inaccuracies in our data
• Any damages from unauthorized access to or alteration of your data

OUR TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow limitations of liability, so these limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless Home Risk Report and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Site

11. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except that either party may seek injunctive relief in court for intellectual property violations.

CLASS ACTION WAIVER: You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

12. Changes to Terms

We may update these Terms at any time. Changes are effective when posted. Your continued use of the Site after changes constitutes acceptance of the new Terms. We encourage you to review this page periodically.

13. Termination

We may terminate or suspend your access to the Site at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Site ceases immediately.

14. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Home Risk Report regarding use of the Site.

16. Contact

For questions about these Terms, contact us:

These Terms of Service are provided for informational purposes and do not constitute legal advice. Consult with a licensed attorney for legal guidance specific to your situation.