Proceeds IQ Terms & Conditions
These Terms & Conditions govern access to and use of Proceeds IQ, including its real-estate calculators, financial estimation tools, educational information, explanatory content, and related website features. By accessing or using the website, you agree to use it responsibly and in accordance with these Terms.
Proceeds IQ is designed to provide general estimates, calculations, scenarios, and educational information. The website is not a substitute for individualized legal, tax, financial, mortgage, appraisal, brokerage, or other professional advice.
Before You Use Proceeds IQ
Estimates, Not Guarantees
Calculator results are estimates and should not be treated as guaranteed transaction outcomes or final settlement figures.
Review Your Inputs
Results depend on the information and assumptions entered into the calculator. Review important inputs before relying on a result.
Actual Costs Can Differ
Real transaction costs may vary because of local rules, contracts, fees, taxes, lenders, title services, commissions, and individual circumstances.
Verify Important Information
Important financial, legal, tax, property, and transaction information should be independently verified with appropriate sources or professionals.
General Information
Proceeds IQ provides general information and planning tools rather than individualized professional advice.
Use Responsibly
Users should use the website lawfully and avoid activity that disrupts, damages, or improperly accesses the website or its content.
1. Acceptance of These Terms
By accessing, browsing, or using Proceeds IQ, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and any other applicable policies referenced on the website.
If you do not agree with these Terms, you should discontinue use of Proceeds IQ. These Terms apply to the website and the calculators, tools, content, and other features made available through it.
Your continued use of Proceeds IQ after an updated version of these Terms is posted may constitute acceptance of the revised Terms, to the extent permitted by applicable law.
2. Responsible Use of the Website
Proceeds IQ should be used only for lawful, legitimate, and responsible purposes. Users are expected to respect the website, its functionality, its content, and the rights of others.
3. Purpose of Proceeds IQ Calculators
Proceeds IQ calculators are designed to help users explore potential real-estate transaction figures, financial scenarios, and related calculations.
Depending on the tool, calculators may provide:
- Estimates of potential seller net proceeds
- Illustrative closing-cost calculations
- Commission estimates
- Scenario comparisons
- Property-related calculations
- Affordability snapshots
- Future-value or projection scenarios
- General planning and educational information
Proceeds IQ calculators are tools for estimation and educational purposes. They are not designed to provide a guaranteed final settlement statement, Closing Disclosure, tax determination, legal opinion, appraisal, brokerage valuation, underwriting decision, or other official professional document.
4. How Calculator Results Should Be Understood
A calculator result is produced from the information entered by the user together with the assumptions and calculation logic used by the particular tool.
This process is intended to support estimation and planning. It does not convert an estimate into an official transaction figure or professional determination.
5. User-Provided Inputs
Users are responsible for reviewing the information they enter into a calculator. Depending on the tool, inputs may include:
- Property sale price
- Mortgage balance
- Second mortgage or HELOC balance
- Seller credits
- Commission assumptions
- State or county selection
- HOA-related costs
- Repairs and cleaning expenses
- Other transaction-related costs
Inaccurate, incomplete, outdated, or incorrectly entered information can produce results that do not accurately reflect the user's situation.
6. Estimates, Assumptions, and Actual Costs
Real-estate transactions can involve numerous costs, rates, contractual terms, taxes, and local requirements. A calculator may use assumptions or representative figures that do not match the exact circumstances of a particular transaction.
Actual costs may vary because of factors such as:
- Location and jurisdiction
- County or municipality
- Property characteristics
- Purchase or sale contract terms
- Lender requirements
- Title and escrow charges
- Commission agreements
- Taxes and government fees
- HOA requirements
- Market conditions
- Changes in applicable rules or regulations
- Individual circumstances
A calculator estimate should not be treated as a guaranteed representation of the amount that will actually be paid, received, charged, withheld, or required in a real transaction.
7. State and County Information
Proceeds IQ may provide state-specific and county-specific calculations or information. These tools are intended to make general estimates more relevant to different locations.
Local rules, rates, taxes, fees, recording charges, transfer taxes, title costs, commissions, HOA requirements, and transaction practices can change over time.
Users should verify important state, county, municipal, tax, title, escrow, recording, and transaction information with appropriate official or qualified sources before making significant decisions.
Proceeds IQ does not represent that every location-specific figure will remain permanently current or that every listed amount will apply to every transaction.
8. Property Value Projections and Future Estimates
Certain Proceeds IQ tools may provide illustrative future-value scenarios, including first-year, third-year, fifth-year, county-level, or other projection estimates.
These figures are scenarios based on selected assumptions. They are not promises, guarantees, or predictions of the actual future market value of a property.
Future property values may be affected by:
- Local and national market conditions
- Interest rates
- Local housing supply and demand
- Economic conditions
- Property improvements or deterioration
- Neighborhood changes
- Government policies
- Unexpected economic or environmental events
Proceeds IQ does not guarantee that a property will appreciate, maintain its value, or reach any specific future value or appreciation rate.
9. What-If Comparisons
What-if tools allow users to explore hypothetical scenarios by changing selected inputs or assumptions.
Examples may include comparing:
- Different sale prices
- Different commission assumptions
- Different transaction costs
- Different mortgage balances
- Different expense assumptions
What-if results are illustrative comparisons. They should not be interpreted as predictions of what will actually happen in a future transaction.
10. Affordability and Financial Snapshots
Proceeds IQ may provide general affordability calculations or financial snapshots designed to help users explore hypothetical financial situations.
Such calculations are not:
- Mortgage approval
- Loan qualification
- Financial underwriting
- Credit assessment
- Individualized financial advice
Actual financing decisions depend on information and criteria determined by the relevant lender or financial institution.
11. Informational Content
Proceeds IQ may publish educational content relating to real estate, selling property, closing costs, mortgage concepts, property values, real-estate markets, financial calculations, seller considerations, and related subjects.
Such content is provided for general informational and educational purposes. Individual circumstances can differ significantly from general examples or explanations presented on the website.
General educational information should not be treated as individualized professional advice.
12. Not Professional Advice
Proceeds IQ does not replace advice from an appropriately qualified professional. Depending on the circumstances, users may need to consult:
- A real-estate professional
- A mortgage professional or lender
- A tax professional
- An accountant
- An attorney
- A financial professional
- An appraiser
Proceeds IQ does not claim that its website, calculators, or general information constitute individualized legal, tax, financial, mortgage, appraisal, or brokerage advice.
13. Accuracy and Availability
Proceeds IQ makes reasonable efforts to provide useful information and calculations. However, the website cannot guarantee that every figure, calculation, data point, assumption, or external reference will always be current, complete, or error-free.
For example, Proceeds IQ cannot guarantee that:
- Every figure is always current
- Every local fee is always accurate
- Every calculation reflects an individual's exact situation
- Every external source remains unchanged
- The website will always be available
- Every tool will remain completely error-free
This limitation is intended to communicate the practical nature of online calculators and informational resources, not to suggest that Proceeds IQ intentionally provides unreliable information.
14. Third-Party Sources and External Information
Proceeds IQ may reference information from external sources or provide links to third-party websites for education, verification, reference, or convenience.
External websites may have their own terms, privacy policies, data practices, content, and methods of operation. Proceeds IQ does not control those websites or their independent practices.
A reference or link to an external website does not, by itself, constitute an endorsement, sponsorship, partnership, or guarantee by Proceeds IQ.
15. External Links
Links may be provided to official sources, public resources, third-party services, educational references, or other websites that may provide additional information.
External links are provided for convenience, education, verification, or additional context. Proceeds IQ does not guarantee the availability, accuracy, completeness, security, or continued operation of an external website.
Users should review the applicable terms and privacy policies of external websites before relying on their information or services.
16. Intellectual Property
Unless otherwise stated, original material created for Proceeds IQ may be protected by applicable intellectual-property laws.
This may include original:
- Website design elements
- Written content
- Calculator interfaces
- Original graphics
- Branding elements
- Code
- Page structures
- Original educational material
This provision does not claim ownership of material belonging to third parties. Third-party content remains subject to the rights and terms applicable to its respective owner or provider.
Nothing on this page should be interpreted as a claim that a particular trademark, copyright, or other intellectual-property right is registered unless that registration is separately established.
17. Permitted Use of Content
Users may access and use Proceeds IQ for personal, informational, educational, and other lawful purposes consistent with these Terms.
Unless permission is provided or applicable law permits otherwise, users should not intentionally:
- Republish entire Proceeds IQ pages as their own content
- Present Proceeds IQ's original material as their own
- Reproduce substantial portions of proprietary content without authorization
- Sell copied calculator content or substantially reproduced materials
- Remove required attribution from material where attribution is applicable
These restrictions are not intended to prevent lawful quotation, commentary, fair use, linking, or other uses permitted by applicable law.
18. Automated Access and Content Extraction
Ordinary search-engine crawling and legitimate indexing are not prohibited by these Terms. Proceeds IQ recognizes that search engines and other legitimate services may access publicly available website content.
However, excessive automated access, scraping, crawling, or extraction that overloads the website, interferes with service availability, circumvents reasonable technical controls, or violates applicable law is not permitted.
This section is intended to protect reasonable website availability without preventing ordinary search-engine discovery and indexing of public content.
19. Website Availability
Proceeds IQ may occasionally become unavailable or experience interruptions. This may occur because of:
- Maintenance
- Updates
- Technical problems
- Blogger or platform issues
- Internet connectivity problems
- Third-party infrastructure
- Events or circumstances outside reasonable control
Proceeds IQ does not promise uninterrupted or continuous availability of the website or any individual calculator, feature, or page.
20. Changes to Calculators and Features
Proceeds IQ may update, improve, modify, replace, suspend, or discontinue calculators, calculations, features, content, data, design elements, or other functionality when reasonably necessary or appropriate.
A previous version of a calculator or feature may not remain available indefinitely. Changes may also be made to improve clarity, functionality, usability, accuracy, maintenance, or compatibility.
21. Feedback and Suggestions
Users may voluntarily provide feedback, suggestions, corrections, or ideas about Proceeds IQ.
Proceeds IQ may use voluntarily submitted feedback to evaluate or improve its website, calculators, content, and user experience, subject to applicable rights and any specific agreement that may apply to the communication.
Users should avoid submitting confidential or sensitive information through ordinary feedback channels unless the relevant communication method specifically requests it.
22. Privacy
Use of Proceeds IQ is also subject to the Proceeds IQ Privacy Policy. The Privacy Policy explains the website's privacy-related practices and should be read separately from these Terms & Conditions.
23. Disclaimer
Use of Proceeds IQ is also subject to the site's Disclaimer. The Disclaimer provides additional information regarding estimates, accuracy, professional advice, financial decisions, real-estate information, and limitations of the website's tools and content.
24. No Professional Relationship
Simply accessing or using Proceeds IQ does not create a professional or fiduciary relationship between the user and Proceeds IQ.
This includes, without limitation:
- An attorney-client relationship
- A financial-advisor relationship
- A broker-client relationship
- An accountant-client relationship
- A lender-borrower relationship
- An appraiser-client relationship
A separate legally valid relationship may exist only where independently established outside the ordinary use of this website.
25. User Responsibility
Users are responsible for making reasonable decisions about how they use information obtained from Proceeds IQ.
- ✓ Review calculator inputs before relying on a result.
- ✓ Review the assumptions relevant to the calculation.
- ✓ Verify important financial and real-estate information.
- ✓ Seek professional advice when the circumstances warrant it.
- ✓ Make independent decisions appropriate to their own circumstances.
26. Reliance on Information
Proceeds IQ is intended to support general research, education, estimation, and planning. Users should not rely solely on information from Proceeds IQ when making significant financial, property, tax, legal, lending, or investment decisions.
Important decisions should be supported by appropriate documentation, independent verification, and professional advice where appropriate.
27. No Guaranteed Financial or Real-Estate Outcome
Proceeds IQ does not guarantee any particular financial, property, transaction, financing, or investment outcome.
This includes no guarantee of:
28. Limitation of Liability
To the extent permitted by applicable law, Proceeds IQ and its website operators are not responsible for losses, damages, or consequences arising from a user's reliance on estimates, calculations, informational content, external websites, interruptions, technical issues, or user-provided inputs.
This provision is intended to address the reasonable limitations of an online informational and calculator website. It does not represent that Proceeds IQ can exclude every possible responsibility or liability under every legal system.
Nothing in these Terms is intended to exclude or limit rights or liabilities that cannot legally be excluded or limited under applicable law.
29. User Responsibility for Misuse
To the extent permitted by applicable law, users may be responsible for consequences arising from their unlawful misuse of Proceeds IQ or their violation of these Terms.
This provision is intended to address conduct within a user's reasonable control, rather than circumstances arising solely from ordinary use of the website.
30. Changes to These Terms
Proceeds IQ may update these Terms & Conditions when website functionality, calculator features, content, business practices, legal requirements, or other relevant circumstances change.
Updates may also be made to clarify existing provisions or improve the readability and transparency of these Terms.
The latest version posted on this page will identify the applicable effective date and last-updated date.
31. Severability
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable under applicable law, that provision should be interpreted or limited to the extent necessary, and the remaining provisions should continue to apply to the extent permitted by law.
32. No Waiver
A failure to enforce or exercise a provision of these Terms on one occasion does not necessarily constitute a waiver of the right to enforce or exercise that provision later, to the extent permitted by applicable law.
33. Entire Terms and Related Policies
These Terms, together with the applicable policies and notices referenced on the website, describe the principal terms governing ordinary use of Proceeds IQ.
Nothing in these Terms is intended to override a separate legally binding agreement that may expressly apply to a particular service or relationship.
Our Terms Principle
Proceeds IQ is intended to provide useful calculators, estimates, educational information, and planning tools while being transparent about their limitations. The purpose of these Terms is to establish responsible use, clarify what the website does and does not provide, and help users understand that calculator results and informational content should be independently considered before important decisions are made.
Using Proceeds IQ Responsibly
- ✓ Use the website for lawful and legitimate purposes.
- ✓ Enter information carefully when using a calculator.
- ✓ Understand that calculator outputs are estimates.
- ✓ Verify important local, financial, tax, legal, and transaction information.
- ✓ Seek qualified professional advice when appropriate.
- ✓ Do not misuse, disrupt, or improperly access the website.
Terms Feature Summary
This summary is provided for convenience. The complete Terms & Conditions above control the interpretation of the website's terms and should be read in full.
Related Policies & Information
Important Legal Notice
These Terms & Conditions are intended to clearly describe the general use of Proceeds IQ and the limitations of its calculators, information, and website features. They are not legal advice. Website operators should obtain appropriate professional legal advice when determining whether these Terms are suitable for their particular circumstances or legal requirements.
Questions About These Terms?
Questions, corrections, or concerns regarding these Terms & Conditions can be submitted through the Proceeds IQ contact page.
Contact Proceeds IQ
