Terms of Use

These Terms of Use ("Terms") govern your use of ownrto.com (the "site"), operated by OwnRTO ("OwnRTO," "we," "us"). By using the site, you agree to these Terms. If you do not agree, please do not use the site.

1. Educational information only

OwnRTO publishes general educational information. It is not financial, legal or insurance advice, and OwnRTO is not a lender, insurer, broker or government agency.

Content on the site is general in nature and may not reflect the laws of your state or the circumstances of your situation. Rent-to-own contracts, real estate law and landlord-tenant law vary from place to place. Before making a decision, consult qualified professionals, such as a licensed real estate attorney, a mortgage lender or a HUD-approved housing counselor. Using the site does not create an attorney-client, advisory or any other professional relationship.

2. No affiliation or endorsement

OwnRTO is not affiliated with, endorsed by or acting on behalf of any government agency, lender, seller or company. Links to official public websites are provided for convenience. We do not control those websites and are not responsible for their content, availability or practices.

3. Accuracy and changes

We work to keep our guides accurate and current, but we do not warrant that the content is complete, accurate or up to date at all times. We may change, update or remove content at any time without notice. If you spot an error, please let us know at info@ownrto.com.

4. Acceptable use

You may use the site for lawful, personal and non-commercial purposes. You agree not to:

• use the site in any way that violates applicable law;
• interfere with the operation or security of the site, or attempt to gain unauthorized access to it;
• submit false information, impersonate another person, or submit someone else's contact details without their permission;
• send spam or harmful code through our forms; or
• copy or republish substantial parts of the site without our written permission.

5. Your submissions

When you contact us or sign up, you agree to provide accurate information and confirm that you are authorized to use the email address and phone number you provide. If you send us suggestions or feedback, we may use them to improve the site without any obligation to you. Our handling of personal information is described in our Privacy Policy.

6. Email and text message updates

If you sign up, you agree to receive email updates from OwnRTO, and you may unsubscribe at any time. Text messages are sent only if you separately opt in, and they are governed by our Mobile Policy. Consent to receive messages is not a condition of any purchase.

7. Intellectual property

The text, design and graphics on the site are owned by OwnRTO and protected by copyright and other laws. Photographs are used under the Unsplash license. You may share links to our pages and print or save pages for your own personal, non-commercial use.

8. Disclaimer of warranties

The site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted, secure or free of errors.

9. Limitation of liability

To the fullest extent permitted by law, OwnRTO will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of money, property, data or opportunity, arising out of or related to your use of, or reliance on, the site or its content. This includes any decision you make about a rent-to-own agreement or any other financial, legal or housing matter. Where liability cannot be excluded, it is limited to the extent permitted by law.

10. Indemnification

You agree to indemnify and hold harmless OwnRTO from claims, losses and expenses, including reasonable legal fees, arising from your misuse of the site or your violation of these Terms.

11. Changes to these Terms

We may update these Terms from time to time. The revised version will be posted on this page with a new "Last updated" date. Continuing to use the site after a change means you accept the revised Terms.

12. Contact

Questions about these Terms can be sent to info@ownrto.com.