Terms of Use

1. Acceptance of Terms

By accessing or using this Site, you agree to be bound by these Terms and by our Privacy Policy.

2. Informational Purpose Only

Content on this Site — including state and city information, mortgage guides, and relocation content — is provided for general informational purposes only. It is not intended as, and should not be relied upon as, financial, legal, tax, or real estate advice specific to your situation.

The mortgage guides on this Site are educational overviews, not personalized advice, a loan offer, or a rate quote. For specifics about your own situation, consult a licensed mortgage professional.

3. The Relocation Calculator

The tax and relocation cost calculator on this Site produces a simplified estimate, not tax advice. It uses each state's top marginal income tax rate and combined state-plus-average-local sales tax rate — not a full bracket calculation, and not any specific city's actual rate. It doesn't account for local income taxes, deductions, credits, or property tax.

Rate figures are sourced from Tax Foundation data and dated on the calculator itself. Rates change over time; for an exact comparison, consult a tax professional.

4. Acceptable Use

You agree not to:

• Scrape, copy, republish, or systematically extract content from this Site without prior written permission
• Use any automated system (bot, crawler, scraper) to access the Site in a way that sends more requests than a human could reasonably produce in the same period
• Attempt to interfere with, disrupt, or gain unauthorized access to the Site or its underlying systems
• Use the Site for any unlawful purpose

5. Intellectual Property

Text, graphics, guides, design elements, and tools on this Site are owned by or licensed to us and protected by copyright and other intellectual property laws. You may view and share content for personal, non-commercial use, but may not reproduce, distribute, or create derivative works from Site content without our prior written consent.

6. Third-Party Sites

This Site links to Living in Oregon, Living in Washington, and other external resources. We do not control and are not responsible for the content, accuracy, or practices of those sites. Your use of any third-party site is subject to that site's own terms and privacy policy.

7. Limitation of Liability

To the fullest extent permitted by law, the Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site, including reliance on any calculator estimate, guide, or third-party content.

8. Changes to These Terms

We may update these Terms as the Site changes. The effective date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

9. Governing Law

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

10. Contact Information

Questions about these Terms of Use?