Terms of Service

Welcome to OC Home Savings. These Terms of Service ("Terms") govern your use of the website ochomesavings.com and related services (collectively, the "Service") operated by OCHomeSavings LLC ("Company," "we," "us," or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

1. Description of Service

OC Home Savings provides a free informational service that helps Orange County homeowners discover government incentive programs, rebates, and tax credits for home improvements. Our Service includes:

• Savings Reports: Personalized reports identifying federal, California state, and local incentive programs you may qualify for based on your home and household information
• Calculators: Interactive tools to estimate potential savings for various home improvement projects
• Educational Content: Information about available programs, eligibility requirements, and application processes
• AI Assistant: An automated assistant to answer questions about programs and recommendations

2. Important Disclaimers

Not Financial, Tax, or Legal Advice

The information provided by our Service is for informational purposes only and does not constitute financial, tax, legal, or professional advice. We are not financial advisors, tax professionals, accountants, or attorneys. The savings estimates and program information we provide are general in nature and may not reflect your specific situation.

You should consult with qualified professionals (such as CPAs, tax advisors, or attorneys) before making decisions about:

• Claiming tax credits or deductions
• Entering into contracts with contractors
• Making significant home improvements
• Financial planning decisions

Estimate Accuracy

The savings estimates provided by our Service are approximations based on publicly available program guidelines, typical costs, and the information you provide. Actual savings may vary significantly due to factors including:

• Changes in program funding, rules, or availability
• Your specific tax situation and liability
• Contractor pricing and installation costs
• Property-specific conditions
• Accuracy of information you provide
• Program fund exhaustion (some programs have limited funds)

Program Availability

Government incentive programs change frequently. Programs may be modified, suspended, or terminated at any time. Fund availability is limited for many programs. We make reasonable efforts to keep our information current, but we cannot guarantee that all program information is accurate or up-to-date at any given time.

No Guarantee of Benefits

We do not guarantee that you will receive any specific amount of savings, rebates, or tax credits. Eligibility determinations are made solely by the relevant government agencies, utility companies, or program administrators—not by us.

3. User Responsibilities

By using our Service, you agree to:

• Provide Accurate Information: Supply truthful and accurate information about your property, household, and situation. Inaccurate information will result in inaccurate recommendations.
• Verify Information: Independently verify program details, eligibility requirements, and application procedures with official sources before taking action.
• Use for Personal Purposes: Use our Service only for your personal, non-commercial purposes related to your own property.
• Comply with Laws: Comply with all applicable laws and regulations when using our Service and acting on our recommendations.
• Not Misuse the Service: Not use our Service for any fraudulent, misleading, or illegal purposes.

4. Intellectual Property

All content on our website, including text, graphics, logos, calculators, reports, and software, is the property of OCHomeSavings LLC or our licensors and is protected by copyright and other intellectual property laws.

You may view, download, and print content from our website for your personal, non-commercial use. You may not:

• Reproduce, distribute, or republish our content without permission
• Use our content for commercial purposes
• Remove any copyright or proprietary notices
• Create derivative works based on our content

5. Third-Party Services and Links

Our Service may contain links to third-party websites, including government agencies, utility companies, and contractors. We are not responsible for the content, accuracy, or practices of these third-party sites.

If we facilitate connections between you and third-party service providers (such as contractors), any agreement or transaction between you and the third party is solely between you and that party. We are not a party to such agreements and are not responsible for:

• The quality of work performed by contractors
• Disputes between you and service providers
• Any damages resulting from services provided by third parties

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

IN NO EVENT SHALL OCHOMESAVINGS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use the Service
• Any errors or inaccuracies in our content or estimates
• Decisions you make based on information from our Service
• Actions or inactions of third-party service providers
• Unauthorized access to or alteration of your data

Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid to us (if any) in the twelve months preceding the claim, or $100, whichever is greater.

7. Indemnification

You agree to indemnify, defend, and hold harmless OCHomeSavings LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of third parties
• Any content or information you provide to us

8. Privacy

Your use of our Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Service, you consent to our collection and use of information as described in the Privacy Policy.

9. Modifications to Service and Terms

We reserve the right to modify, suspend, or discontinue any part of our Service at any time without notice. We may also modify these Terms at any time. Changes will be effective when posted on this page. Your continued use of the Service after changes are posted constitutes your acceptance of the modified Terms.

10. Termination

We may terminate or suspend your access to our Service at any time, without prior notice, for any reason, including if you violate these Terms. Upon termination, your right to use the Service will immediately cease.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in Orange County, California, in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action.

12. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and OCHomeSavings LLC regarding your use of our Service.

14. Contact Information

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