1. Agreement to Terms

By accessing and using the Buy vs Rent Calculator ("the Website"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site. Shan Ming Yang Limited ("We", "Us", "Our") reserves the right to modify these terms at any time without notice.

2. Use License

Permission is granted to temporarily access and use the Buy vs Rent Calculator ("the Website") for personal, non-commercial purposes only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials or code
• Use the calculator or materials for any commercial purpose
• Attempt to decompile or reverse engineer any software contained on the Website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server
• Scrape, crawl, or use automated tools to extract data from the Website

3. Disclaimer of Warranties

The materials on the Buy vs Rent Calculator are provided "as is". Shan Ming Yang Limited makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Calculator Disclaimer: This calculator is provided as a general educational tool to help you understand the costs associated with buying versus renting. We make no guarantee regarding the accuracy, completeness, or timeliness of the calculations or underlying data. Property market conditions, interest rates, and other factors can change significantly and affect the results.

Not Financial or Legal Advice: The calculator and information on this Website do not constitute financial, investment, legal, or tax advice. You should not rely solely on this calculator for making property purchase or rental decisions. We strongly recommend consulting with qualified financial advisors, lawyers, and accountants before making major property decisions.

4. Limitations of Liability

In no event shall Shan Ming Yang Limited or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Buy vs Rent Calculator, even if We or an authorized representative has been notified orally or in writing of the possibility of such damage.

This includes, but is not limited to, damages resulting from decisions made based on calculator results. You use the calculator at your own risk and are solely responsible for any financial or other decisions you make based on its output.

Some jurisdictions do not allow limitations on implied warranties, so these limitations may not apply to you.

5. Accuracy of Materials and Calculator

The materials appearing on the Buy vs Rent Calculator could include technical, typographical, or mathematical errors. Shan Ming Yang Limited does not warrant that any of the materials on its Website are accurate, complete, or current. We may make changes to the materials contained on the Website at any time without notice.

We source property market data, interest rates, and tax information from publicly available sources. However, we recommend verifying critical data points with official sources or professional advisors before making decisions. Market conditions change frequently, and historical data may not reflect current conditions.

6. External Links

Shan Ming Yang Limited has not reviewed all of the sites linked to its Website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Shan Ming Yang Limited of the site. Use of any such linked website is at the user's own risk.

7. Modifications to Terms of Service

Shan Ming Yang Limited may revise these Terms of Service for its Website at any time without notice. By using this Website, you are agreeing to be bound by the then current version of these Terms of Service.

8. Governing Law and Jurisdiction

These Terms of Service and any separate agreements we provide to clarify the Service are governed by and construed in accordance with the laws of New Zealand, and you irrevocably submit to the exclusive jurisdiction of the courts in New Zealand.

9. User Restrictions

You agree not to:

• Violate any applicable laws or regulations
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website
• Use automated data collection tools (bots, scrapers, crawlers) on this Website without permission
• Attempt to gain unauthorised access to the Website's systems

10. Intellectual Property Rights

All material on the Buy vs Rent Calculator, including but not limited to text, graphics, logos, images, audio clips, and software is the property of Shan Ming Yang Limited or its content suppliers and protected by international copyright laws.

11. Limitation of Time to File Claims

Any claim or cause of action arising out of or related to the use of the Buy vs Rent Calculator or these Terms of Service must be filed within one (1) year after such claim or cause of action arises, or be forever barred.

12. Contact Information

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

13. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms of Service constitute the entire agreement between you and Shan Ming Yang Limited with respect to the use of the Buy vs Rent Calculator and supersede all prior and concurrent agreements, understandings, and negotiations, whether written or oral.