Last updated: April 19, 2026
By creating an account, accessing, or using Value Add Calculator ("VAC", "the Service", "we", "us"), you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the Service.
VAC is a real estate deal-underwriting platform that provides calculators (Flip, BRRRR, Rental, Owner-Finance), deal pipeline tracking, AI-assisted scope of work generation, contractor coordination tools, reporting (PDF exports, portfolio analytics), and a public API. The Service is provided for informational, organizational, and operational purposes only.
You must be at least 18 years old and legally able to enter a binding contract to use VAC. You are responsible for:
We may suspend or terminate accounts that violate these Terms, exhibit abusive behavior, or create risk for other users or the Service.
VAC offers a free tier and paid subscription plans (Solo, Team, Pro, Agency), each with a defined seat limit and feature set shown on our pricing page.
Free trial. New paid subscriptions include a 7-day free trial. A valid payment method is required to start the trial. Unless you cancel before the trial ends, your subscription will automatically convert to a paid subscription and your payment method will be charged the recurring plan price.
Recurring charges. Paid subscriptions renew automatically at the end of each billing period (monthly or annually, as selected) at the then-current rate. You authorize us and our payment processor to charge your payment method for each renewal until you cancel.
Plan changes. You may upgrade or downgrade your plan from account settings at any time. Upgrades take effect immediately with prorated charges; downgrades take effect immediately and are prorated as a credit. Downgrades are blocked while your team exceeds the target plan's seat limit — you must remove members to below the limit first.
Cancellation. You may cancel at any time from account settings or by emailing us. On cancellation, your subscription remains active through the end of the current trial or billing period, after which it ends without further charge. No partial-period refunds are issued for cancellations.
14-day money-back guarantee. If you're not satisfied with your paid subscription, you may request a full refund within 14 days of your first paid charge by emailing us. Refunds are issued to the original payment method within 5–10 business days. After day 14, charges are non-refundable except where required by law or granted at our sole discretion. If you believe you were charged in error, contact us within 30 days of the charge and we will investigate in good faith.
Failed payments. If a scheduled charge fails, we may retry the charge, downgrade your account to the free tier, suspend paid features, or terminate the subscription. You remain responsible for amounts owed.
Taxes. Prices are exclusive of sales, use, VAT, or similar taxes unless stated otherwise. You are responsible for any such taxes attributable to your subscription.
You retain all ownership of the data you input to or generate within the Service ("Your Content") — including deal data, notes, uploaded files and photos, contractor information, and custom fields. We do not claim ownership of Your Content.
You grant us a limited, worldwide, royalty-free license to host, store, process, transmit, display, and create backups of Your Content solely to operate, maintain, and improve the Service on your behalf. This license ends when you delete Your Content or terminate your account, except for backups retained on the schedule described in our Privacy Policy.
You represent and warrant that you have all rights necessary to submit Your Content to the Service and that Your Content does not violate any law or the rights of any third party.
VAC includes AI-assisted features such as scope-of-work generation from property photos ("AI Features"). AI Features use third-party AI models (currently provided by Anthropic) and are provided "as-is".
The calculations, projections, property data, comparable sales, and reports produced by VAC are for informational purposes only and do not constitute financial, investment, legal, accounting, or tax advice.
Real estate investing involves substantial risk, including total loss of principal. All outputs are estimates based on inputs you provide, third-party data feeds that may be inaccurate or outdated, and assumptions that may not hold in your market. Actual results may differ materially. Before making any investment, leasing, lending, construction, or disposition decision, you should:
You agree not to:
Teammates. Paid plans allow you to invite teammates up to the seat limit for your plan. The account owner is the primary contract holder and is responsible for (a) ensuring invited teammates comply with these Terms, (b) all charges and seat management, and (c) removing teammates when they no longer need access. Teammates have independent accounts bound by these Terms for actions they take within the organization.
Contractor portal. VAC provides a limited-access portal for contractors you invite to a specific deal. Contractors may view and respond only to the scope, files, and draw requests you share with them on that deal. You are responsible for vetting any contractor you invite and for the working relationship between you and the contractor. We are not a party to any agreement between you and a contractor and do not guarantee any contractor's performance, licensure, insurance, or identity.
If you use the VAC Public API, you agree that:
The Service relies on third-party providers (for example: payment processing, hosting, database, email delivery, AI providers, property data, and error-monitoring services) listed in our Privacy Policy. Your use of the Service is also subject to those providers' terms where applicable. Outages, changes, or deprecations by a third-party provider may affect VAC functionality.
The Service — including software, design, branding, documentation, and content we create — is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. No other rights are granted, expressly or by implication.
If you submit feedback, suggestions, or feature requests, you grant us a royalty-free, perpetual, irrevocable, worldwide license to use them without obligation.
We may suspend or terminate your access (in whole or in part) if we reasonably believe you have violated these Terms, if required by law, to prevent harm to other users or the Service, or for non-payment. You may terminate your account at any time from account settings.
On termination, your right to access the Service ends. You may export Your Content before termination; after account deletion, Your Content is removed on the schedule described in our Privacy Policy. Sections intended to survive termination (including disclaimers, limitations of liability, indemnification, dispute resolution, and governing law) will survive.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CALCULATION, PROJECTION, OR DATA OUTPUT IS ACCURATE, COMPLETE, OR SUITABLE FOR YOUR USE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VAC AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, LOSS OF INVESTMENT RETURNS, LOSS OF GOODWILL, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages; the limitations above apply only to the extent permitted by applicable law.
You agree to defend, indemnify, and hold harmless VAC and its owners, officers, employees, and contractors from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Your Content; (b) your use of the Service; (c) your violation of these Terms; (d) your violation of any law or third-party right; or (e) any dispute between you and a contractor, teammate, or other third party you invite through the Service.
These Terms and any dispute arising out of or related to the Service are governed by the laws of the State of Oklahoma, without regard to its conflict-of-laws principles. The exclusive venue for any permitted legal action is the state or federal courts located in Oklahoma County, Oklahoma, and you consent to the personal jurisdiction of those courts.
Before filing any legal action, you agree to first contact us at the email address below and attempt in good faith to resolve the dispute informally for a period of at least 30 days. Notwithstanding the foregoing, either party may seek injunctive or equitable relief at any time to protect intellectual property or confidential information.
We may update these Terms from time to time. For material changes we will give reasonable notice (for example, by email to your account email or by in-app notice) before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, stop using the Service and cancel your subscription before the effective date.
Entire agreement. These Terms, together with our Privacy Policy and any plan-specific order form, are the entire agreement between you and us regarding the Service and supersede all prior agreements.
Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.
Assignment. You may not assign these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets.
Questions or notices under these Terms should be sent to:
Email: cameron@creativehomespro.com