Terms of Service

1. Acceptance of Terms

By accessing and using Lifebex ("the Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

Lifebex provides:

• Income ranking analysis based on official IRS and Census data
• Cost of living analysis using Bureau of Labor Statistics data
• Financial DNA scoring and analysis
• Financial calculators and planning tools
• City comparison tools

The Service is provided free of charge for personal, non-commercial use.

3. User Responsibilities

You agree to:

• Provide accurate information when using our tools
• Use the Service only for lawful purposes
• Not attempt to interfere with or disrupt the Service
• Not use automated systems (bots, scrapers) without permission
• Not reverse engineer or attempt to extract source code
• Not misrepresent your identity or affiliation

4. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of information
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Security of data transmission

5. Data Accuracy and Sources

Our analysis is based on official government data from:

• Internal Revenue Service (IRS)
• U.S. Census Bureau (American Community Survey)
• Bureau of Labor Statistics (BLS)

While we strive for accuracy, we cannot guarantee:

• Real-time data updates (government data has publication delays)
• Accuracy for all geographic locations
• Applicability to your specific situation
• Completeness of cost of living calculations

6. Limitation of Liability

To the fullest extent permitted by law, Lifebex and its operators shall not be liable for:

• Any financial decisions made based on our analysis
• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Errors or omissions in the Service
• Unauthorized access to your data

7. Intellectual Property

All content on Lifebex, including but not limited to text, graphics, logos, code, and software, is the property of Lifebex or its licensors and is protected by copyright and other intellectual property laws.

Government data sources (IRS, Census, BLS) are in the public domain. Our analysis, presentation, and calculations are proprietary.

8. User-Generated Content

If you submit feedback, suggestions, or other content to us, you grant Lifebex a non-exclusive, worldwide, royalty-free license to use, modify, and incorporate such content into our Service.

9. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these third parties. Use of third-party services is at your own risk.

10. Termination

We reserve the right to terminate or suspend access to the Service at any time, without notice, for any reason, including violation of these Terms.

11. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. We will update the "Last Updated" date at the top of this page.

12. Governing Law

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

13. Dispute Resolution

Any disputes arising from these Terms or use of the Service shall be resolved through binding arbitration, except where prohibited by law.

14. Severability

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

15. Contact Information

For questions about these Terms, please contact us:

• Email: legal@lifebex.com
• Website: lifebex.com/contact