Terms of Use

Welcome to Local Equity Report. By accessing or using localequityreport.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site. Local Equity Report is operated by Rusty Roof Media ("we," "us," or "our").

1. Informational Purposes Only

All data, content, analytics, estimates, and information provided on the Site (collectively, "Content") is for informational purposes only and does not constitute financial, investment, tax, legal, or real estate advice.

Home values, equity estimates, market trends, LER Index scores, and all other metrics displayed on the Site are estimates based on publicly available data and proprietary modeling. They should not be relied upon as the sole basis for any financial decision, including but not limited to buying, selling, or refinancing a home.

We strongly recommend consulting with qualified professionals — including licensed real estate agents, appraisers, mortgage lenders, and financial advisors — before making any decisions based on information obtained from the Site.

2. Accuracy Disclaimer

While we strive to provide accurate and up-to-date information, we make no warranties or representations, express or implied, regarding the accuracy, completeness, reliability, or suitability of any Content on the Site.

• Home value estimates may differ from actual market values, appraisals, or transaction prices.
• Equity estimates are modeled approximations and may not reflect actual mortgage balances or lien positions on individual properties.
• Year-over-year changes and trend data are calculated from estimated values and are subject to revision.
• Data may be delayed, incomplete, or unavailable for certain markets or time periods.
• Statistical models involve inherent uncertainty and are updated periodically; past performance does not predict future results.

We disclaim all liability for any errors, omissions, or inaccuracies in the Content, whether caused by us or our data sources.

3. Intellectual Property

All Content on the Site, including but not limited to text, data, graphics, charts, maps, logos, design elements, software, and the LER Index methodology, is the property of Rusty Roof Media or its licensors and is protected by copyright, trademark, and other intellectual property laws.

• Permitted use: You may access and view the Content for personal, non-commercial informational purposes.
• Prohibited use: You may not reproduce, distribute, modify, create derivative works from, publicly display, scrape, crawl, or commercially exploit any Content without our prior written permission.
• Data licensing: Commercial use of our data, including API access or bulk data downloads, requires a separate licensing agreement. Contact us at info@localequityreport.com for inquiries.
• Citation: Journalists and researchers may cite our data with proper attribution to "Local Equity Report (localequityreport.com)" and a link to the relevant page.

4. User Responsibilities

By using the Site, you agree to:

• Use the Site only for lawful purposes and in accordance with these Terms.
• Not engage in any activity that could damage, disable, overburden, or impair the Site or its infrastructure.
• Not use automated tools, bots, scrapers, or crawlers to access the Site or extract Content without our prior written consent.
• Not attempt to gain unauthorized access to any portion of the Site, its servers, or connected systems.
• Not misrepresent your identity or affiliation when contacting us or using the Site.
• Provide accurate information when submitting forms or communications through the Site.

5. Third-Party Links

The Site may contain links to third-party websites, including but not limited to personalequityreport.com and data source websites. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Accessing third-party sites is at your own risk.

6. Limitation of Liability

To the fullest extent permitted by applicable law:

• The Site and all Content are provided "as is" and "as available" without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• In no event shall Rusty Roof Media, its officers, directors, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, arising out of or in connection with your use of the Site or reliance on any Content.
• Our total aggregate liability to you for any claims arising out of or relating to these Terms or your use of the Site shall not exceed $100 USD.

7. Indemnification

You agree to indemnify, defend, and hold harmless Rusty Roof Media and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

8. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on this page with a revised effective date. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

9. Termination

We reserve the right to restrict, suspend, or terminate your access to the Site at any time, without notice, for any reason, including if we believe you have violated these Terms. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, and limitations of liability.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Michigan, and you hereby consent to the personal jurisdiction of such courts.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and effect.

12. Contact

If you have questions about these Terms of Use, please contact us:

• Email: info@localequityreport.com
• Contact page: localequityreport.com/contact

Local Equity Report is a Rusty Roof Media property.