Terms & Conditions

Last updated: March 15, 2026

1. Acceptance of Terms

By downloading, installing, or using Roby ("the App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App. These Terms contain a binding arbitration clause and a class action waiver in Section 11 that affect your legal rights. Please read them carefully.

2. Description of Service

Roby is a financial illustration and calculator tool that compares the estimated financial outcomes of renting a home and investing the difference versus purchasing a home. The App produces mathematical projections based on the inputs you provide and publicly available housing data. The App is intended only to assist you in your understanding of financial decision-making and is broad in scope.

3. Not Financial Advice

PLEASE READ THIS SECTION CAREFULLY. IT IS THE MOST IMPORTANT SECTION OF THESE TERMS.

ROBY IS NOT A FINANCIAL PLANNER, BROKER, TAX ADVISOR, OR INVESTMENT ADVISOR. The App does not provide financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. Use of the App is not a replacement for personal, professional advice or assistance regarding your finances or housing decisions.

All output produced by the App — including but not limited to net position projections, break-even calculations, break-even rate calculations, monthly cost comparisons, "Explain It" breakdowns, and year-by-year checkpoint data — are mathematical illustrations only. They are not recommendations, predictions, or guarantees of future outcomes.

Specifically:

• The App's calculations are estimates based on simplified mathematical models. Real-world outcomes will differ, potentially substantially, due to factors the App does not and cannot account for, including but not limited to: changes in federal, state, or local tax law; local housing market conditions; individual creditworthiness and lending terms; employment changes; life events; inflation variability; stock market volatility; interest rate changes; property condition; neighborhood dynamics; and macroeconomic conditions.
• The App does not know your complete financial situation, risk tolerance, investment goals, tax situation, or personal circumstances. Your individual situation may differ materially from the scenarios illustrated.
• The App's projections assume constant rates of return, home appreciation, rent growth, and inflation over the entire projection period. Actual rates will vary, sometimes dramatically. Past performance of any investment or asset class does not guarantee future results.
• State-specific default data (property tax rates, insurance costs, median home prices) is derived from publicly available sources and may be outdated, inaccurate, incomplete, or inapplicable to your specific property, neighborhood, or location.
• The App does not account for all costs associated with homeownership or renting, including but not limited to: special assessments, utility differences, commuting costs, renovation needs, natural disaster risk, or opportunity costs beyond those explicitly modeled.
• You should always consult a qualified financial advisor, tax professional, real estate attorney, or other licensed professional before making any decisions about renting, buying, selling, mortgaging, or investing. Do not make financial decisions based solely or primarily on this App's output.

4. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND ALL OF ITS CONTENT, FEATURES, CALCULATIONS, AND DATA ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

JOSHUA HART ("THE DEVELOPER") EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, THE DEVELOPER DOES NOT WARRANT THAT:

• The App's calculations, projections, or output are accurate, complete, reliable, current, or error-free;
• The App will meet your specific requirements or expectations;
• The results obtained from use of the App will be accurate, reliable, or applicable to your situation;
• Any default data, rates, or values provided by the App reflect current market conditions; or
• The App will be uninterrupted, timely, secure, or free of errors or defects.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• IN NO EVENT SHALL THE DEVELOPER, HIS AFFILIATES, LICENSORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER THE DEVELOPER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• WITHOUT LIMITING THE FOREGOING, THE DEVELOPER SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSSES RESULTING FROM HOUSING, MORTGAGE, REAL ESTATE, INVESTMENT, TAX, OR OTHER FINANCIAL DECISIONS MADE IN RELIANCE ON, OR INFORMED BY, THE APP'S OUTPUT.
• THE DEVELOPER'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED, IN THE AGGREGATE, ONE HUNDRED UNITED STATES DOLLARS (US $100.00).

This limitation of liability does not apply to liability arising from gross negligence, willful misconduct, or fraud.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the limitations above shall apply to the fullest extent permitted by applicable law.

6. Indemnification

You agree to defend, indemnify, and hold harmless the Developer from and against third-party claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) directly resulting from:

• Your material breach of these Terms;
• Your representation to a third party that the App's output constitutes professional financial, legal, or tax advice; or
• Your violation of any applicable law or regulation in connection with your use of the App.

This indemnification obligation does not apply to claims caused by the Developer's own negligence or misconduct.

7. Assumption of Risk

You expressly acknowledge and agree that:

• Purchasing a home is one of the largest financial decisions most people make, and it carries substantial financial risk including the possibility of significant monetary loss.
• Investment returns are not guaranteed, past performance does not guarantee future results, and you may lose some or all of your invested capital.
• Real estate values can decline and you may owe more on a mortgage than your home is worth.
• You are solely responsible for any and all financial decisions you make, whether or not you used the App in making those decisions.
• You will not rely on the App as your sole or primary basis for any financial decision.
• You assume all risk associated with your use of the App and any decisions made based on its output.

8. Data Accuracy

The App uses publicly available data from third-party sources including, but not limited to, the Tax Foundation, the National Association of Insurance Commissioners (NAIC), and the Zillow Home Value Index (ZHVI). The Developer does not guarantee the accuracy, completeness, timeliness, or applicability of this third-party data. Default values are provided for convenience only and may not reflect current or local conditions. The Developer is not responsible for errors or omissions in third-party data sources, and has no obligation to update or correct such data on any particular schedule.

9. User Conduct

You agree not to:

• Use the App for any unlawful purpose;
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App;
• Redistribute, sublicense, rent, lease, or resell the App;
• Represent the App's output as professional financial, investment, tax, or legal advice to any third party; or
• Use the App in any manner that could damage, disable, or impair the App or its data sources.

10. Intellectual Property

The App and all of its content, features, and functionality — including but not limited to its design, code, graphics, user interface, algorithms, and the Roby name and logo — are owned by Joshua Hart and are protected by copyright, trademark, trade secret, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the App except for a limited, non-exclusive, non-transferable, revocable license to use the App in accordance with these Terms.

11. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

Agreement to Arbitrate. You and the Developer agree that any dispute, claim, or controversy arising out of or relating to these Terms, the App, or your use of the App (collectively, "Disputes") will be resolved exclusively through final and binding arbitration, rather than in court, except that either party may bring individual claims in small claims court if they qualify.

Class Action Waiver. YOU AND THE DEVELOPER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR HIS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class, collective, or representative proceeding.

Waiver of Jury Trial. YOU AND THE DEVELOPER HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE APP.

Pre-Arbitration Dispute Resolution. Before filing any arbitration, you must send a written dispute notice to roby@joshuahart.io describing the nature of the dispute and your requested relief. The parties shall attempt to resolve the dispute informally for at least sixty (60) days before initiating arbitration.

Arbitration Rules and Fees. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be conducted in English in your county of residence or by video conference. For claims under $10,000, the Developer will pay all AAA filing and arbitration fees. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Opt-Out. You may opt out of this arbitration agreement by sending written notice to roby@joshuahart.io within thirty (30) days of first accepting these Terms. Your notice must include your name and a clear statement that you wish to opt out of the arbitration and class action waiver provisions. If you opt out, you and the Developer may still resolve Disputes in court, but the jury trial waiver will still apply to the maximum extent permitted by law.

12. Third-Party Services

The App is distributed through Apple's App Store. Your use of the App is also subject to Apple's Licensed Application End User License Agreement (the "Standard EULA"). In the event of a conflict between these Terms and Apple's Standard EULA, these Terms shall govern to the extent of the conflict with respect to the App's content and functionality.

13. Privacy

Your privacy is important. Please review our Privacy Policy, which explains how the App handles (and does not collect) your information. The Privacy Policy is incorporated into and made a part of these Terms.

14. Changes to These Terms

The Developer reserves the right to modify these Terms at any time. Changes will be posted on this page with a revised "last updated" date. Material changes will be presented in-app for your acceptance before you can continue using the App. The in-app terms version and acceptance date are recorded. If the Developer makes material changes to the arbitration or class action waiver provisions, you will have thirty (30) days from the date of posting to opt out of the revised provisions.

15. Termination

The Developer may terminate or suspend your access to the App at any time, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the App ceases immediately. The following sections survive termination: Sections 3 (Not Financial Advice), 4 (Disclaimer of Warranties), 5 (Limitation of Liability), 6 (Indemnification), 7 (Assumption of Risk), 11 (Binding Arbitration and Class Action Waiver), and 13 (Privacy).

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Florida, without regard to conflict of law principles. To the extent litigation is permitted under these Terms, you consent to the exclusive jurisdiction of the state and federal courts located in Florida.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect. If the class action waiver in Section 11 is found to be unenforceable, then the entirety of the arbitration agreement shall be null and void, but the remaining Terms shall continue to apply.

18. Waiver

The failure of the Developer to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless made in writing and signed by the Developer.

19. Entire Agreement

These Terms, together with the Privacy Policy and Apple's Standard EULA, constitute the entire agreement between you and the Developer regarding the App and supersede all prior agreements, understandings, and communications, whether written or oral.

20. Contact

If you have questions about these Terms, contact us at roby@joshuahart.io.