The Housing Model at thehousingmodel.com and plan.thehousingmodel.com is operated and licensed by Brooks Digital Ventures LLC, a New Jersey limited liability company. “We,” “us,” and “our” mean that company. The website and the free calculator are at thehousingmodel.com; the planner application is at plan.thehousingmodel.com. These Terms govern both.
The Housing Model is educational modelling and decision-support software. It is not financial, investment, tax, legal, mortgage, or real-estate advice. Section 1 explains what that means in practice, and it is the most important part of this page.
On this page
The Housing Model is educational modelling and decision-support software. It does not provide financial, investment, tax, legal, mortgage, or real-estate advice. Brooks Digital Ventures LLC is not your adviser, financial planner, broker, or fiduciary and does not provide individualised professional advice.
Outputs use your household information, but they are mathematical scenarios under stated assumptions. They are not professional recommendations to buy, rent, borrow, invest, or make any particular transaction. Use does not create a professional advisory relationship.
A 30-year projection is not a prediction or guarantee. Actual results may differ substantially. Tax rules, interest rates, investment returns, housing costs, inflation, and household circumstances can change. Assumptions may become outdated, and the model may simplify or omit factors that matter to you.
Check inputs, assumptions, and results independently. Do not make a significant housing or financial decision based only on this software. Consult appropriately qualified professionals where needed.
You must be at least 18 years old to use The Housing Model. It is built for adult household financial planning and is not directed to children.
By using the website, the calculator, or the planner, you agree to these Terms. If you do not agree, do not use them.
The planner asks you to confirm both — that you are 18 or older, and that you accept these Terms and the Privacy Policy Refund Policy — before it works anything out about your household. The form itself stays open while you decide: reading the questions is not using the product in the sense these Terms mean. What waits for your answer is the model’s output, reading a paycheck stub, and saving a version. That confirmation is kept in your own browser alongside your plans and is never sent to us, and it records which version of these Terms you accepted. When these Terms change, the planner asks again rather than assuming an answer given to an older version still stands.
We grant you a limited, non-exclusive, non-transferable licence to use the features available to you for your household’s personal educational planning, subject to these Terms.
You may retain your inputs and results and share them with household members or professional advisers. Sharing results does not authorise another household to use a licence issued to you, or an adviser to operate the software on behalf of other clients.
You may not resell the software, sublicense it, distribute licence keys outside your household, or use it to provide paid modelling services to clients without our written permission.
Building a plan is free and stays free. The website, the free calculator, and the whole of the planner — every figure you enter and everything the app says back to you about your situation today — cost nothing and need no account. The Homebuying Pass unlocks the long-term projection and the printable record of the decision.
Paid access is open. The offer is US$59 for twelve months of paid features beginning on the purchase date, as one payment that does not renew on its own. What a payment will unlock is the projection: the cash-ready date, the thirty-year comparison between paths, the sensitivity ranking, the printable report, and progress tracking. Building and editing a plan — every step, the paystub reader, children, debts, saving, backing up and restoring — is free and stays free, before, during, and after any paid term.
When a paid term expires without renewal, the paid features end. Everything you entered remains available and fully editable, exactly as it is for free users. Nothing you entered is locked away or deleted.
Payment is handled by Paddle, acting as the merchant of record, which collects and remits any sales tax or VAT that applies. We do not receive your card details. Paddle’s buyer terms apply to your purchase alongside these Terms, and the contracting Paddle entity is named on your receipt. The Refund Policy applies to every purchase: fourteen days from purchase, for any reason, no questions asked.
Calculations take place in your browser. Saved plans are stored by your browser on your device; we do not receive them. There is no account and no company database of household plans. The planner is open to anyone; no code is needed. While the private beta ran, opening it required an access code we handed out individually. That code governed who could open the planner and gave us no access to what anyone entered inside it. The Privacy Policy describes both in detail.
If you select a paystub image, it is read in your browser and is not uploaded. Automated extraction can make mistakes. Check amounts, pay periods, dates, and other extracted values before relying on a result. Only use information and documents you are entitled to use.
Browser storage is not a backup service. Clearing site data, using private browsing, changing browser profiles or devices, or a browser removing stored data may make saved plans unavailable. We cannot restore information we never received. Export the plans that matter to you while they are available.
Do not use the software unlawfully, infringe another person’s rights, forge licence keys, bypass restrictions on paid features, distribute malicious code, interfere with the website, or attempt unauthorised access to systems. Do not present outputs as our professional advice, as guaranteed results, or as an endorsement of your services.
We or our licensors own the software, design, branding, and original content. Any licence granted to you is a licence, not ownership. Do not copy or redistribute those materials except as these Terms, an applicable third-party licence, or law permits. Third-party components retain their own licences.
You retain any rights you have in your inputs and documents. We do not claim ownership of your household information. These restrictions do not remove rights that applicable law makes non-waivable.
We may maintain, correct, or improve the software. We do not promise uninterrupted availability or compatibility with every device or browser, and we may change or discontinue free features.
These Terms do not promise perpetual hosting. Because your plans are stored in your own browser rather than with us, exporting a plan you want to keep is the way to hold a copy this website cannot lose. An exported file is your data, not the software: opening it again needs this site, or a copy of it.
Except for express commitments in these Terms and rights required by law, the software is provided “as is” and “as available.” To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee that every calculation, assumption, extracted value, or result is accurate, complete, current, or suitable for your circumstances. We do not guarantee savings, affordability, mortgage approval, investment performance, or housing outcomes. This section does not override obligations that cannot lawfully be excluded.
To the extent permitted by law, we are not liable for indirect or consequential losses arising from the software, including lost profits, lost opportunities, or consequential losses associated with housing, borrowing, or investment decisions.
These exclusions and limits do not apply to fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, or liability that applicable law does not allow us to exclude or limit. They do not reduce mandatory consumer remedies.
You may stop using the software at any time. Deleting your local data removes your plans from that browser; it does not require anything from us, because we never held them.
We may end your licence for a material breach of these Terms. Where the breach can reasonably be corrected, we will give notice and a reasonable opportunity to correct it. We may act immediately for serious unlawful conduct, licence-key fraud, or conduct threatening the security of the service.
After termination, stop using the features for which permission has ended. You may retain your own inputs and results. Termination does not permit us to access or delete plans stored in your browser. Provisions concerning ownership, accrued obligations, liability, and disputes continue where relevant.
We will publish revised Terms with a new effective date, and changes apply from that date forward. We will give appropriate notice of material changes. A change to these Terms cannot enrol you in a recurring charge without your affirmative consent.
New Jersey law governs these Terms, subject to mandatory consumer protections that apply regardless of that choice. Disputes may be brought in New Jersey state courts in Hudson County or, where federal jurisdiction exists, the United States District Court for the District of New Jersey. You and we agree to those courts, except where mandatory law gives you the right to another forum.
These Terms do not require arbitration and do not waive participation in a class action. You may contact us to seek an informal resolution, but that is not a condition of exercising a legal right.
If a provision cannot be enforced, the remaining provisions continue to the extent permitted by law. Mandatory legal rights take priority over conflicting wording.
Brooks Digital Ventures LLC — hello@thehousingmodel.com