Terms of Service

Last Updated: 7/16/2025

1. Definitions

2. Acceptance of Terms and Eligibility

By accessing and using the Website, you agree to be bound by these Terms of Service and all applicable laws. Should you object to any term, your only recourse is to immediately discontinue use of the Website. The Services are intended only for users 18 years or older, or of legal age in their jurisdiction.

3. License Grant

We grant you a limited, revocable, non-exclusive license to use the Services for personal, non-commercial purposes, subject to these Terms. This license does not include any right to reproduce, distribute, or create derivative works.

4. Changes to Terms

We reserve the right, at our sole discretion, to change, modify, or alter these Terms at any time. Such changes shall become effective immediately upon posting. You must review the Terms regularly to keep yourself apprised of any changes.

5. User Conduct

You agree not to use the Website in any way that:

• Infringes any patent, trademark, trade secret, copyright, or other proprietary rights
• Violates any state, federal, or other applicable law
• Threatens, harasses, or is libelous
• Contains software viruses or code harmful to other systems
• Employs misleading or false information

6. Service Use and Calculators

• Calculators are for educational and informational purposes only
• We do not provide professional financial advice
• Results are estimates and may not reflect real-world situations
• Information or calculation results may be outdated or incorrect

7. Termination

We may suspend or terminate your access (or any part thereof) at our sole discretion, including if you breach these Terms. Upon termination, any licenses granted under these Terms will immediately cease, and you must stop all use of the Services.

8. Intellectual Property

Unless you receive explicit permission, you agree not to reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes, any aspect of the Website. You agree not to decompile or reverse engineer or otherwise attempt to discover any source code contained in the Website.

9. Indemnification

You agree to defend, indemnify, and hold harmless JMV Labs LLC, its affiliates and their respective officers, directors, employees and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Website or Services, your breach of these Terms, or your violation of any law or the rights of any third party.

10. Privacy and Data

Please review our Privacy Policy for details on the collection, disclosure, and use of personally identifiable information. Use of the Website is based on your agreement to the Privacy Policy and these Terms of Service.

Data Collection and Logging

By using our Website, you acknowledge and agree that we may automatically collect and log:

• IP addresses and approximate geographic location information
• Server access logs including pages visited and access times
• Browser information, operating system, and device information
• Usage data and browsing patterns for analytics and service improvements
• Cookies and tracking technologies as described in our Privacy Policy

This information is collected for legitimate purposes including website security, performance analytics, legal compliance, and service improvement. Data is handled in accordance with our Privacy Policy and applicable data protection laws.

11. Service Availability

JMV Labs LLC may create limitations of your use of the Website including, but not limited to, the number of times you may access the Website. We reserve the right at any time, in our sole discretion, with or without notice, to modify or discontinue the Website (or any part thereof).

12. Disclaimer of Warranties

THE WEBSITE AND ANY INCLUDED SERVICES ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, INCLUDING WITHOUT LIMITATION THE WARRANTIES THAT IT IS FREE OF DEFECTS, ERRORS, VIRUSES, MERCHANTABLE AND THAT IT IS FIT FOR A PARTICULAR PURPOSE OR NON-INFRINGING. YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK.

13. Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL JMV LABS LLC AND AFFORDABLY.AI BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, RESULTING FROM ANY ASPECT OF YOUR USE OF THE WEBSITE. OUR TOTAL LIABILITY IS LIMITED TO ANY FEES PAID FOR SERVICES, IF ANY, EXCLUDING CASES OF GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

14. Dispute Resolution

Any dispute arising out of or relating to these Terms shall be resolved first by good-faith negotiation. If that fails, you and JMV Labs LLC agree to submit the dispute to binding arbitration under the rules of the American Arbitration Association.

15. Copyright and DMCA

We respect copyright and will remove infringing material upon notice. If you believe your copyrighted work has been copied in a way that constitutes infringement, please contact us with specific details.

16. Affiliate Disclosure

Affordably.ai may contain affiliate links and advertising (including Google AdSense). We may receive compensation when you click or purchase through these links. This does not affect our educational content or recommendations.

17. Governing Law and Jurisdiction

These Terms of Service shall be governed by the laws of the United States without regard to its conflict of law provisions. You and the Company agree to submit to the personal and exclusive jurisdiction of the courts located within the United States.

18. Entire Agreement and No Waiver

These Terms, together with the Privacy Policy, constitute the entire agreement between you and JMV Labs LLC regarding your use of the Website and supersede all prior agreements. No delay or omission by JMV Labs LLC in enforcing any right or provision under these Terms will operate as a waiver of such right or provision.

19. Partial Invalidity

Any provision of these Terms of Service which is found to be invalid or unenforceable by any court in any jurisdiction shall not affect the validity or enforceability of the provision in other jurisdictions and shall not affect the validity or enforceability of the remaining provisions.

20. Company Information