1. Agreement to Terms

By accessing and using CostLiving ("the Service," "our website," or "the platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

CostLiving provides:

• Cost of living calculators for European cities
• Net salary calculators with local tax estimates
• City comparison tools and relocation information
• AI-powered cost estimates and recommendations
• Currency conversion tools
• Relocation guides and resources

Our Service is designed to help individuals plan and budget for relocations across Europe.

3. Use of Service

3.1 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers) without permission
• Transmit viruses, malware, or harmful code
• Impersonate any person or entity
• Collect or harvest data from the Service without consent

3.2 Account Responsibilities

While most of our Service is available without registration, if you create an account, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use

4. Accuracy of Information

4.1 Estimates and Calculations

Our calculators and cost estimates are provided for informational purposes only. While we strive for accuracy:

• Actual costs may vary based on personal circumstances
• Tax calculations are estimates and may not reflect your exact situation
• Currency rates fluctuate and may change
• Data is updated regularly but may not always be current

4.2 Not Professional Advice

The information provided through our Service does not constitute professional financial, tax, legal, or immigration advice. You should consult with qualified professionals before making relocation decisions.

5. Intellectual Property Rights

5.1 Our Content

The Service and its original content, features, and functionality are owned by CostLiving and are protected by international copyright, trademark, and other intellectual property laws.

5.2 Your Use Rights

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes.

6. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not owned or controlled by CostLiving. We have no control over and assume no responsibility for:

• Content, privacy policies, or practices of third-party sites
• Accuracy of third-party data or services
• Any damages or losses arising from third-party interactions

7. 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:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COSTLIVING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, data, or use
• Cost of procurement of substitute services
• Relocation decisions based on our estimates
• Financial losses from inaccurate calculations

9. Indemnification

You agree to indemnify, defend, and hold harmless CostLiving and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of another party

10. Service Modifications and Termination

We reserve the right to:

• Modify or discontinue the Service at any time without notice
• Refuse service to anyone for any reason
• Terminate or suspend access for violation of these Terms
• Update pricing or features without prior notice

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the European Union and applicable member state regulations, without regard to conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with EU regulations.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by:

• Posting the updated Terms on this page
• Updating the "Last updated" date
• Email notification (for registered users)

Your continued use of the Service after changes constitutes acceptance of the new Terms.

13. GDPR Compliance

We are committed to compliance with the General Data Protection Regulation (GDPR). Your rights regarding personal data are outlined in our Privacy Policy.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

15. Contact Information

If you have any questions about these Terms, please contact us:

• Email: legal@costliving.com
• Address: CostLiving Legal Team, [Your Address]