These Terms of Service (the “Terms”) govern your access to and use of the TrueCap website at usetruecap.comand the related rental property analysis tools (the “Service”), provided by TrueCap (“TrueCap,” “we,” “us”).
By accessing or using the Service, you agree to these Terms. If you don't agree, don't use the Service.
1. The Service
TrueCap provides software for analyzing rental real estate investments — cap rate, cash-on-cash return, debt service coverage, multi-year projections, exit modeling, and related calculators. The Service includes a free tier and paid Pro tiers (monthly and annual).
The Service uses public market data (HUD Fair Market Rent, FRED interest rates) and state-level effective tax rates as defaults. All numbers are estimates intended as starting points for your own due diligence, not as appraisals, financial advice, or guarantees of future returns.
2. Eligibility & accounts
You must be at least 18 years old to create an account. You're responsible for the security of your account credentials and for all activity that happens under your account. Tell us immediately at hello@usetruecap.com if you suspect unauthorized access.
3. Acceptable use
You agree not to:
- Use the Service for any unlawful purpose or in violation of any law.
- Scrape, crawl, or systematically download content from the Service.
- Reverse-engineer, decompile, or attempt to extract source code.
- Resell, sublicense, or white-label the Service without our written consent.
- Use the Service to make decisions about credit, employment, housing, insurance, or other consumer-impacting matters in violation of the Fair Housing Act, ECOA, FCRA, or similar laws.
- Upload or generate content that infringes intellectual property, defames any person, or promotes discrimination.
- Attempt to circumvent rate limits, paywalls, or other access controls.
4. Paid subscriptions
Plans & billing
Pro plans are billed in advance on a monthly or annual cadence by Stripe. By subscribing, you authorize us (via Stripe) to charge the recurring fee to your payment method until you cancel. Prices are listed at usetruecap.com/pricing and may change with notice — your existing billing cycle will run at the price you signed up at.
Cancellation
You can cancel any time from your profile. Cancellation stops future charges; your Pro features remain active until the end of the period you've already paid for, then your account automatically downgrades to Free. Your saved deals and PDF exports remain in your account and viewable on Free.
Refunds
Charges are non-refundable except where required by law. If you believe you were charged in error, email hello@usetruecap.com and we'll review.
Taxes
Fees do not include taxes. Where required, applicable taxes will be added by Stripe at checkout.
5. Your content
You retain ownership of any data you enter into the Service (the “Your Content”). You grant us a limited license to store, process, and display Your Content solely to operate the Service for you. We do not use Your Content to train AI models, resell to third parties, or surface in marketing without your explicit consent.
6. Our intellectual property
The Service — including the calculators, math, UI design, marketing copy, and the TrueCap brand — is owned by us and protected by copyright and trademark law. We grant you a personal, non-transferable, non-exclusive license to use the Service in accordance with these Terms.
7. NOT financial, legal, or tax advice
This is the most important section. Read it.
TrueCap is a calculator. We are not a registered investment advisor, real estate broker, accountant, lender, attorney, or tax professional. The outputs of the Service — including projected cash flow, cap rate, deal score, recommendations, and exit modeling — are estimates based on the inputs you provide and standard real estate math. They are not advice, guarantees, appraisals, or substitutes for professional counsel.
Before purchasing, selling, financing, or making any decision about a real estate investment, you should consult a qualified real estate professional, attorney, CPA, and/or licensed lender in your jurisdiction. You are solely responsible for the investment decisions you make.
8. Disclaimer of warranties
The Service is provided “as is” and “as available”without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any data we surface (rents, rates, tax assessments) will be current or correct.
9. Limitation of liability
To the maximum extent permitted by law, TrueCap and its founders, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, lost investment opportunities, or property loss — arising from your use of the Service, even if we've been advised of the possibility.
Our total aggregate liability for any claim arising out of or relating to the Service is limited to the amount you paid us in the 12 months preceding the event giving rise to the claim, or $100, whichever is greater.
10. Indemnification
You agree to indemnify, defend, and hold harmless TrueCap from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising from your use of the Service, your breach of these Terms, or your violation of any law or third-party right.
11. Termination
You can stop using the Service and delete your account anytime. We may suspend or terminate your access if you violate these Terms or use the Service in a way that harms us, other users, or third parties. On termination, your right to use the Service ends; sections that by their nature survive termination (payment, IP, liability) continue to apply.
12. Changes to these Terms
We may update these Terms. Material changes will be announced in-product or by email at least 14 days before they take effect. Continued use of the Service after a change takes effect constitutes acceptance.
13. Governing law & disputes
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to the Service or these Terms will be resolved in the state or federal courts located in Philadelphia County, Pennsylvania, and you and we consent to the personal jurisdiction of those courts.
14. Contact
Questions about these Terms? Email hello@usetruecap.com.