Terms of Service
and Disclaimer.

Effective October 24, 2026

These Terms of Service ("Terms") govern your use of thebeachindex.com and its features (the "Service"), operated by The Beach Index ("we", "us"). By using the Service or creating an account, you agree to these Terms. If you don't agree, don't use the Service.

1. A tool to generate ideas, not advice

• The Beach Index is an AI prediction tool meant only to help you generate ideas. Treat every score, pick and projection as a suggestion and a starting point. You are responsible for your own analysis and decisions, and for checking the facts independently before you rely on anything here.
• Everything on the Service is general information for research and education. Nothing on it is personalized financial, investment, tax, accounting, legal, lending, insurance or real estate advice.
• Labels such as "Strong opportunity", "Worth a look", "Weak at this price", "Gold", "Opportunity score" and "Beach Index" describe the output of a model. They are not recommendations to buy, sell or hold any property.
• We do not know your full financial situation, goals, tax position or risk tolerance. The settings you enter (budget, cash, tax bracket and so on) only change the model's math. They do not create an advisory relationship.

2. AI-assisted projections can be wrong

• Scores and projections are produced by software built with the help of artificial intelligence, using public data and our own assumptions. They include appreciation, rent, short-term rental revenue, occupancy, construction cost, ADU and expansion value, financing, depreciation and cost segregation estimates.
• These are estimates of uncertain future events. Actual results will differ, sometimes a lot. Past performance and market averages do not predict any specific home's future. You can lose money in real estate.
• Assumptions are listed in the app: the loan type, down payment and interest rate you choose (default rates are published averages as of the date shown, not a quote), 2% closing and 5% selling costs, and income and appreciation growth. They may not match what's available to you.

3. Data accuracy

• Listing prices, home details, rents, Airbnb figures, sunshine days, permit counts, regulations and coastal-risk notes come from third-party and public sources and our own estimates. They may be incomplete, out of date or wrong. A home shown may already be sold or off the market.
• Short-term rental rules change often and vary by city, county, zone and HOA. Many coastal cities cap or ban short-term rentals. Always confirm with the local jurisdiction before relying on rental income.
• Nothing on the Service is an appraisal, inspection, survey, title review, zoning determination or permit approval.

4. No broker, agent or fiduciary relationship

• The "Find me gold agent" is software, not a licensed real estate agent.
• We are not a licensed real estate broker or salesperson, mortgage lender or broker, investment adviser, broker-dealer, CPA or law firm. Using the Service does not create any agency, fiduciary, advisory or client relationship.
• We do not negotiate, list, offer, sell or buy property for anyone. We do not receive compensation tied to any transaction. If that ever changes, we will tell you clearly and comply with California law.
• Links to listing sites such as Redfin are for convenience. Contact a licensed agent to see, offer on or buy a property.

5. Tax information

Depreciation, cost segregation, passive-loss and recapture figures are simplified illustrations. Tax treatment depends on your facts, such as material participation, real estate professional status, average stay length, state rules and changes in law. Talk to a CPA or tax attorney. Nothing here is intended or written to be used to avoid tax penalties.

6. Fair housing

We support the federal Fair Housing Act and California's Fair Employment and Housing Act. Our scores describe markets and properties, never people. They must not be used to discriminate against anyone based on race, color, religion, sex, gender identity, sexual orientation, marital status, national origin, ancestry, familial status, source of income, disability, veteran or military status, or any other protected characteristic.

7. Accounts, free limits and the waitlist

• You can log in with Google or a one-time email code. Keep your account secure and tell us about any misuse.
• Some features are limited before you log in. During the beta we may change, limit or remove features at any time.
• Joining the "Find me gold agent" waitlist means you agree we can email you about it. You can ask to be removed at any time.

8. Acceptable use

Don't scrape, copy at scale, resell or republish the Service or its data. Don't reverse engineer it, overload it, get around its limits or login, or use it for anything unlawful or discriminatory. We may suspend access that breaks these Terms.

9. Our content

The Service, its design, scores and text belong to us or our licensors. You may share links and screenshots for personal, non-commercial use, with credit. Third-party data and trademarks belong to their owners.

10. Feedback

If you send feedback or ideas, we may use them without any obligation to you.

11. Disclaimer of warranties

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or that any projection will come true.

12. Limitation of liability

To the fullest extent the law allows, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any lost profits, lost investment returns, or losses from buying, selling, financing, building on or renting any property, arising from your use of or reliance on the Service. Our total liability for any claim is limited to the greater of $100 or what you paid us in the 12 months before the claim.

Some laws don't allow certain limits, so some of these may not apply to you.

13. Indemnity

You agree to defend and hold us harmless from claims that arise from your misuse of the Service or your breach of these Terms.

14. Changes

We may update these Terms. The effective date at the top will change, and continuing to use the Service means you accept the new Terms.

15. Governing law

These Terms are governed by California law, without regard to its conflict-of-law rules. Disputes will be heard in the state or federal courts located in California, unless the law requires otherwise.

16. Privacy notice

• What we collect.
  • If you log in: your email address, login times, favorites and saved preferences.
  • If you send it: feedback and waitlist sign-ups.
  • For everyone: anonymous usage events (pages, towns and homes viewed, map areas viewed, searches, shares) with approximate city-level location from our host. We do not store IP addresses.
• Browser storage. We use your browser's local storage and a login cookie to keep you signed in and remember your settings and free-use counts.
• Service providers. Netlify (hosting and storage), Google (if you choose Google sign-in), Resend (login emails), Esri and Google Fonts (maps and fonts), and YouTube (only when you play a video).
• No selling. We do not sell or share your personal information for cross-context behavioral advertising.
• Your California rights. You can ask to know, correct or delete your personal information, or log out and delete your account data. Send the request through the Feedback button on the site and include your email.
• The Service is not for children under 16.

17. Contact

Questions about these Terms: use the Feedback button on thebeachindex.com.