Legal

Terms of Service

Last updated: May 18, 2026 · Effective immediately

These Terms of Service ("Terms") govern your access to and use of Crunchly's website, mobile applications, and related services (the "Services"). By creating an account or using Crunchly, you agree to these Terms.

Plain-English summary: Crunchly is a calculator. We give you tools to analyze deals — we don't give investment advice. You're responsible for your investment decisions. Don't abuse the service. We can change these terms; we'll let you know if we do.

Electronic signature consent. By clicking "I Agree", "Sign Up", "Create Account", or otherwise accessing or using the Services, you are electronically signing these Terms and our Privacy Policy. Electronic signatures are valid and binding under the U.S. Electronic Signatures in Global and National Commerce Act (ESIGN) and applicable state e-signature laws.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract to use Crunchly. By using the Services, you represent that you meet these requirements.

2. Your Account

You're responsible for keeping your account credentials secure. You're responsible for all activity under your account. Notify us immediately at security@crunchly.io if you suspect unauthorized access.

You may not share your account, transfer it, or use someone else's account without permission.

3. Acceptable Use

You agree not to:

Use the Services for any unlawful purpose or in violation of these Terms.
Reverse engineer, scrape, or attempt to extract source code or data in bulk, except via APIs we explicitly provide.
Interfere with or disrupt the Services, including by introducing malware or excessive automated traffic.
Resell or sublicense the Services without a written commercial agreement with us.
Impersonate another person or misrepresent your affiliation.
Use the Services to develop a competing product.

4. Subscription Plans and Billing

Free plan

The Free plan is offered at no charge and includes the Cash Flow calculator and limited features. Free plan users do not need to provide payment information.

Paid plans

AUTOMATIC RENEWAL. Paid plans (Lite, Pro, Investor) are billed in advance on a monthly or annual basis. By subscribing, you authorize Crunchly to automatically charge your payment method on each billing date until you cancel. The amount charged is the price displayed at the time of subscription (or the most recent price you've been notified of). You can cancel at any time from your account settings — cancellation takes effect at the end of the current billing period.

For California residents: Crunchly will send you a renewal reminder by email at least 7 days before each annual renewal. For New York residents: You may cancel your subscription at any time by clicking "Manage Subscription" in your account settings; cancellation is effective at the end of the current billing period.

Cancellation

You can cancel anytime from your account settings. Cancellation takes effect at the end of the current billing period. We do not offer refunds for partial months.

Price changes

We may change subscription prices with at least 30 days' notice. Continued use after the new price takes effect constitutes acceptance.

Refunds

All sales are final, with one explicit exception: first-time annual subscribers may request a full refund within 14 days of initial purchase by emailing info@crunchly.io. After that 14-day window, we may issue refunds at our discretion in cases of billing errors or significant service disruption. For purposes of this section, "significant service disruption" means the Services are unavailable for a continuous or cumulative period of 72 hours or more within any rolling 30-day window, where the unavailability is attributable to Crunchly and is not caused by scheduled maintenance, third-party services, or factors beyond our reasonable control. We also reserve the right to issue goodwill credits or refunds for shorter disruptions where exceptional impact has been documented — please contact info@crunchly.io.

5. Important Disclaimer About Investment Information

CRUNCHLY IS A CALCULATION TOOL, NOT A FINANCIAL ADVISOR. The calculations, scores, recommendations, and outputs produced by Crunchly are estimates based on the inputs you provide. They are for informational and educational purposes only and do not constitute financial, investment, legal, or tax advice.

You should not rely on Crunchly's outputs as the sole basis for any investment decision. Real estate investments carry substantial risk including loss of principal. Always consult licensed professionals — a financial advisor, real estate attorney, CPA, or qualified inspector — before making investment decisions.

The calculator interfaces shown on our marketing website are illustrative product previews. Actual figures depend entirely on the inputs you enter inside the application.

Ask Crunch AI is general educational information only. Ask Crunch is an AI chat feature powered by a third-party language model. Its responses are general educational content and do not constitute personalized investment, financial, legal, or tax advice, even when responding to questions about your specific deal inputs. Never make investment decisions based solely on Ask Crunch responses. Always consult licensed professionals.

6. Intellectual Property

Crunchly and its logos, designs, software, and content are owned by us and protected by copyright, trademark, and other laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal or internal business purposes, subject to these Terms.

You retain ownership of any data you enter into Crunchly ("Your Content"). You grant us a limited license to host, store, and display Your Content as needed to provide the Services to you. Crunchly does not host or display any public user-generated content; there is no public surface where one user can view another user's content. Because of this, the DMCA designated-agent registration requirements (17 U.S.C. § 512(c)(2)) do not apply to the Services. If you believe content you posted to Crunchly was used in violation of your rights, contact legal@crunchly.io.

7. Third-Party Services

Crunchly may integrate with third-party services such as Stripe (payments), Google (sign-in, maps), and others. Your use of those services is governed by their own terms and privacy policies. We are not responsible for third-party services.

8. Affiliate Disclosure

Crunchly is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate, Crunchly earns from qualifying purchases. When you click on a book or product link inside Crunchly and make a purchase on Amazon, we may receive a small commission at no additional cost to you. These commissions help us keep the core tool free.

We only recommend books and products we believe are useful to real estate investors. Affiliate relationships do not influence our editorial recommendations or ratings.

9. Termination

You can terminate your account at any time by deleting it from your account settings. We may suspend or terminate your access if you breach these Terms, abuse the Services, or fail to pay. We will give reasonable notice except in cases of serious breach.

Upon termination, your right to use the Services ends. Provisions that should reasonably survive termination (intellectual property, disclaimers, limitations of liability, governing law) will continue.

10. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL CRUNCHLY OR ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES.

OUR AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER OR RELATED TO THESE TERMS WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.

12. Indemnification

You agree to indemnify and hold Crunchly harmless from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Services, your breach of these Terms, or your violation of any law or third-party right. This indemnification does not apply to claims to the extent caused by Crunchly's gross negligence, willful misconduct, or fraud.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Maine, United States, without regard to conflict of laws principles. Before initiating arbitration, the parties agree to attempt informal resolution: the complaining party must send a written notice describing the dispute to legal@crunchly.io (or, for Crunchly, to the customer's account email), and the parties will negotiate in good faith for at least 60 days. If unresolved after 60 days, any dispute arising out of or related to these Terms will be resolved through binding arbitration in Augusta, Maine, administered by JAMS or a comparable arbitration provider in accordance with their commercial arbitration rules, except that either party may seek injunctive relief in court for intellectual property infringement or unauthorized access.

JURY TRIAL WAIVER AND CLASS ACTION WAIVER. YOU AGREE THAT ANY CLAIM OR DISPUTE ARISING UNDER THESE TERMS WILL BE RESOLVED BY INDIVIDUAL ARBITRATION ONLY. YOU EXPRESSLY WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO BRING, JOIN, OR PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION AGAINST CRUNCHLY. If a court of competent jurisdiction finds this class-action waiver unenforceable, the unenforceable portion will be severed and the remainder of this Section 13 will continue to apply.

14. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, or, if it cannot be made enforceable, severed from these Terms. The remaining provisions will continue in full force and effect.

15. Entire Agreement; No Waiver

These Terms, together with our Privacy Policy and any other agreements you accept in writing, constitute the entire agreement between you and Crunchly regarding the Services and supersede any prior agreements. Our failure to enforce any provision is not a waiver of our right to enforce it later.

16. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by email or in-app notice at least 14 days before they take effect. Continued use after changes constitutes acceptance.

17. Contact

Questions? Email legal@crunchly.io or contact:

Crunchly LLC
126 Western Avenue Ste 2, PMB 1088
Augusta, ME 04330
United States