1Acceptance of Terms
By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable laws and regulations. These Terms may be updated from time to time without notice to you. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.
2Geographic Restrictions
The information provided on this Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. We operate the Site from our offices in the United States and make no representation that the Site is appropriate or available for use in other locations.
3Use of Software & Tools
A. Free Tools
ACM provides free software tools including the Rent vs. Buy Financial Analyzer, Quantitative Housing Investment Analyzer, Financial Metrics Calculator, and House Financial Analysis Calculator for the purpose of assisting you in making prudent home purchase decisions.
No Professional Advice: The Analyzers and any output they generate are for informational and educational purposes only. They do not constitute professional financial, investment, legal, or real estate advice. You should consult with a qualified professional before making any purchase decisions.
Accuracy of Inputs: Output is entirely dependent on the accuracy of data you input. We do not verify information you enter and are not responsible for decisions made based on inaccurate or incomplete inputs.
No Account Required: Use of the free Analyzer tools does not require you to create an account or provide payment information.
B. Paid Subscriptions & Portal Access
Certain software applications, advanced features, or data services are available only to users who have purchased a subscription and logged into our secure portal.
Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
Auto-Renewal: SUBSCRIPTIONS WILL AUTOMATICALLY RENEW AT THE END OF EACH TERM UNLESS YOU CANCEL PRIOR TO THE RENEWAL DATE. You may cancel at any time through your account settings or by contacting us at tadkins@residentialrealestateanalysis.com.
Cancellation and Refunds: You may cancel your subscription at any time. Unless otherwise required by law, payments are non-refundable. If you cancel, you will retain access until the end of your current billing period.
4Educational Content, Reports & Videos
A. Types of Content
ACM provides educational articles and guides, methodological reports and white papers explaining our analytical frameworks, and recorded or live video presentations, webinars, and tutorials.
B. Limited License for Personal Use
We grant you a limited, non-exclusive, non-transferable license to access, view, read, and listen to educational content, methodological reports, and video presentations for your personal, non-commercial use only. You may download or print a reasonable number of copies for personal reference, provided you retain all copyright and proprietary notices.
C. Prohibited Uses
You agree not to republish, redistribute, or publicly display any content without our express written consent; modify or create derivative works; sell, rent, or commercially exploit any content; remove copyright notices; or use automated means to download or archive content.
D. Methodology Protection
Our methodological reports contain proprietary information and trade secrets. You may not reverse engineer our software from these descriptions or use our methodologies to create a competing product or service.
5Strategic Hedge Fund Model Portfolio
A. Nature of the Model Portfolio
The Model Portfolio is a hypothetical model portfolio constructed by ACM to illustrate a particular real estate investment strategy. It is not a real trading account, does not reflect actual trading, and cannot be invested in directly. It is for informational and educational purposes only and is not intended as a recommendation or solicitation for any particular security or investment strategy.
B. No Investment Advice
The Model Portfolio does not constitute investment, financial, legal, or tax advice. ACM is not acting as your investment advisor or fiduciary by providing access to the Model Portfolio. You should consult with qualified professionals regarding your individual circumstances before making any investment decisions.
C. Hypothetical Performance
IMPORTANT: HYPOTHETICAL PERFORMANCE RESULTS HAVE MANY INHERENT LIMITATIONS. Hypothetical results are prepared with the benefit of hindsight and do not involve financial risk or reflect actual trading. They cannot account for all factors that may affect actual trading, such as liquidity, market impact, commissions, and slippage. There is no guarantee that the Model Portfolio would have achieved the same results had it been actually traded.
D. No Guarantee of Future Results
Past performance — whether hypothetical or actual — is not an indication or guarantee of future results. All investments involve risk, including the possible loss of principal.
6Prohibited Conduct
You agree not to use the Site or Services to violate any applicable law or regulation; infringe upon intellectual property rights; transmit defamatory or objectionable material; interfere with or disrupt the operation of the Site; attempt to gain unauthorized access to any portion of the Site; use automated means to access the Site without express written permission; introduce malicious software; share login credentials with unauthorized third parties; or replicate, distribute, or publicly display the Strategic Hedge Fund Model Portfolio or any data derived therefrom.
7Intellectual Property Rights
All content, features, and functionality on the Site — including text, graphics, logos, software code, educational articles, methodological reports, video presentations, and the Strategic Hedge Fund Model Portfolio — are owned by Adkins Capital Management, its licensors, or other providers and are protected by United States and international intellectual property laws. All trademarks, service marks, and logos displayed are proprietary to ACM. Nothing herein grants you any license or right to use any trademark without our written permission.
8Links to Third-Party Sites
The Site may contain links to other websites provided as a convenience. We do not endorse, screen, or approve the content of any linked sites and assume no liability for their content, privacy practices, or presentation. Accessing linked sites is at your own risk.
9Disclaimer of Warranties
YOUR USE OF THE SITE, INCLUDING FREE TOOLS, PAID SERVICES, EDUCATIONAL CONTENT, REPORTS, VIDEOS, AND THE STRATEGIC HEDGE FUND MODEL PORTFOLIO, IS AT YOUR SOLE RISK. THE SITE AND ALL CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
10Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ADKINS CAPITAL MANAGEMENT, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES RESULTING FROM YOUR USE OR INABILITY TO USE THE SITE; ANY CONTENT OBTAINED FROM THE SITE INCLUDING EDUCATIONAL MATERIALS, VIDEOS, OR THE MODEL PORTFOLIO; OR ANY INVESTMENT DECISIONS MADE BASED ON INFORMATION CONTAINED IN THE MODEL PORTFOLIO.
FOR PAID SERVICES: OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF $100.00 OR THE AMOUNT YOU PAID US DURING THE TWELVE MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY.
11Indemnification
You agree to defend, indemnify, and hold harmless Adkins Capital Management, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.
12Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws provisions. Any legal suit, action, or proceeding arising out of or related to these Terms shall be instituted exclusively in the federal or state courts located in New York County, New York.
13Termination
You may terminate your account at any time by following the instructions on the Site. We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Site for any conduct that we believe violates these Terms or is harmful to other users or third parties. Upon termination, your right to access Paid Services and the Model Portfolio will immediately cease.
14Entire Agreement
These Terms constitute the entire agreement between you and Adkins Capital Management regarding the use of the Site and supersede all prior agreements and understandings, whether written or oral.

