Terms of use.

These Terms of Use (“Terms”) are a binding agreement between you and Rafter (“Rafter”, “we”, “us”), the operator of raftercost.com (the “Site”). By accessing or using the Site in any way, you accept these Terms in full. If you do not agree, your sole remedy is to stop using the Site immediately.

PLEASE READ CAREFULLY: THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE, A CLASS-ACTION WAIVER, BROAD DISCLAIMERS OF WARRANTIES, AND STRICT LIMITATIONS OF LIABILITY.

1. What the Site is — and what it is not

The Site publishes general home-project cost information — guides, calculators, and cost-by-state data — and can forward quote requests to independent professionals. The Site is provided for general informational purposes only. Nothing on the Site is, or shall be construed as, professional, financial, legal, tax, construction, engineering, appraisal, insurance, or investment advice, and no fiduciary, advisory, or client relationship of any kind is created by your use of the Site.

2. Estimates: informational only — you bear all risk of reliance

• All figures on the Site are illustrative, model-based estimates built from our methodology. They are not quotes, offers, appraisals, guarantees, or promises of any price, outcome, or availability.
• Actual costs can and do differ — sometimes substantially — based on site conditions, materials, labor markets, permits, timing, and factors we cannot know.
• You assume full and sole responsibility for any decision, purchase, contract, budget, or action you take in reliance on anything published on the Site. Always obtain binding quotes from licensed professionals before committing money.
• We have no obligation to update, correct, or maintain any content, and content may be outdated, incomplete, or wrong at any time.

3. Quote matching — we are not a party, ever

• When you request quotes, we transmit your request to up to 3 independent professionals (directly or through matching partners). That transmission is the entire extent of our role.
• Rafter is not a contractor, broker, agent, employer, partner, referrer of record, or guarantor of any professional. We do not (and have no duty to) verify any professional's licensing, insurance, qualifications, pricing, workmanship, safety, background, or conduct.
• Any engagement, contract, payment, dispute, defect, delay, injury, or damage of any kind between you and a professional is exclusively between you and that professional. Rafter has no responsibility or liability for it whatsoever. You agree to vet every professional independently before hiring.

4. Third-party links, ads, affiliates — no endorsement, no responsibility

The Site contains advertising, affiliate links, and links to third-party sites, products, and services (see our disclosure). We do not control, endorse, warrant, or assume any responsibility for any third-party content, product, service, offer, price, availability, or practice. Your dealings with any third party — including advertisers, retailers, lenders, and professionals — are solely between you and them.

5. Acceptable use

• No scraping, harvesting, bulk downloading, or automated access at abusive volume; no probing, disrupting, or circumventing security.
• No false, misleading, or fraudulent quote requests or submissions.
• No unlawful use, no infringement, no use of the Site to spam or collect data about others.
• We may suspend, restrict, or terminate access to the Site (in whole or part) for anyone, at any time, for any reason or no reason, at our sole discretion and without notice or liability.

6. Intellectual property

All Site content, design, data compilations, indices, and tools are owned by Rafter or its licensors and protected by law. You receive a limited, revocable, non-exclusive, non-transferable license to view the Site for personal, non-commercial use. Brief excerpts may be quoted with attribution and a link to the source page. Machine-readable versions at /md and /llms-full.txt are offered for personal and AI-assistant use with attribution. Bulk republication, resale, or training-dataset ingestion without written permission is prohibited. Any feedback you send us may be used by us freely, without compensation or attribution.

7. DISCLAIMER OF WARRANTIES

THE SITE AND ALL CONTENT, TOOLS, ESTIMATES, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, RAFTER DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE — INCLUDING ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION OBTAINED FROM THE SITE CREATES ANY WARRANTY.

8. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) RAFTER AND ITS OWNERS, OPERATORS, EMPLOYEES, CONTRACTORS, LICENSORS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, DATA, GOODWILL, OR OPPORTUNITY, OR FOR COSTS OF SUBSTITUTE SERVICES, ARISING FROM OR RELATING TO THE SITE, ITS CONTENT OR ESTIMATES, ANY QUOTE MATCHING, OR ANY PROFESSIONAL OR THIRD PARTY — WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) RAFTER'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE SHALL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US TO USE THE SITE (THE SITE IS FREE — SO ZERO) OR ONE HUNDRED US DOLLARS (US$100). Some jurisdictions do not allow certain exclusions or limitations; in those jurisdictions, the above apply to the fullest extent permitted, and nothing in these Terms excludes liability that cannot lawfully be excluded (such as for fraud, or death or personal injury caused by our own gross negligence).

9. Indemnification

You agree to defend, indemnify, and hold harmless Rafter and its owners, operators, employees, contractors, licensors, and partners from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) your use or misuse of the Site; (b) your breach of these Terms; (c) your violation of any law or third-party right; or (d) any engagement between you and any professional or third party.

10. Binding arbitration & class-action waiver

• Any dispute arising from or relating to the Site or these Terms shall be resolved by final, binding, individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court — except that either party may bring an individual claim in small-claims court.
• YOU AND RAFTER EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.
• You may opt out of this arbitration clause by emailing hello@raftercost.com within 30 days of first using the Site, stating your name and intent to opt out.
• Any claim must be filed within one (1) year after it arises, or it is permanently barred, to the fullest extent permitted by law.

11. Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. For any matter not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware.

12. Changes; entire agreement; severability

We may modify the Site or these Terms at any time; the date above reflects the latest version, and continued use after changes constitutes acceptance. These Terms (with the Privacy policy and Disclosure) are the entire agreement between you and Rafter regarding the Site. If any provision is held unenforceable, it will be enforced to the maximum extent permitted and the remainder will remain in full force. Our failure to enforce any provision is not a waiver.

13. Contact

Questions about these Terms: hello@raftercost.com, or use the contact page.