Terms of Service

These Terms of Service (the “Terms”) form a legally binding agreement between you and Two Brains LLC (the “Company,” “we,” “us,” or “our”) governing your access to and use of the Costovida website, applications, APIs, calculators, scenario tools, chat/interpreter features (where available), data displays, and related content (collectively, the “Service”).

By accessing or using the Service, creating or saving scenarios, entering lifestyle inputs, or clicking any button that indicates acceptance, you agree to these Terms. If you do not agree, do not use the Service.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and legally capable of entering a binding contract to use the Service. The Service is not directed to children.

You may not use the Service if you are barred under applicable law, including sanctions or export-control rules of the United States or other applicable jurisdictions.

Costovida provides lifestyle cost modeling, city and neighborhood comparisons, scenario saving, ranges, confidence indicators, and related informational tools. The Service is a decision-support and education product, not a marketplace, broker, lender, insurer, tax preparer, immigration advisor, real-estate agent, or fiduciary.

All totals, category lines, low–high ranges, percentage deltas, “cost of living” figures, move-budget figures, tax-related lines, FX conversions, and scenario comparisons are estimates and hypothetical models. They are not quotes, offers, appraisals, guaranties, warranties of future prices, or promises that you can obtain housing, goods, services, visas, insurance, or employment at those amounts.

Your actual costs can differ materially because of timing, negotiation, building quality, lease terms, household size, consumption, taxes, fees, currency movement, inflation, regulation, data gaps, and countless other factors outside our control.

THE SERVICE DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, IMMIGRATION, ACCOUNTING, INSURANCE, REAL-ESTATE, EMPLOYMENT, MEDICAL, OR OTHER PROFESSIONAL ADVICE. Nothing on the Service is a substitute for advice from qualified professionals licensed in the relevant jurisdiction who know your facts.

You alone decide whether to relocate, sign a lease, change jobs, open accounts, buy insurance, adopt pets, enroll in healthcare, or make any other personal or financial decision. You agree that you will not rely on the Service as the sole or primary basis for any such decision, and that any reliance is at your sole risk.

To the maximum extent permitted by law, you release and waive claims against the Company arising from relocation, housing, budgeting, tax, FX, lifestyle, or similar decisions you make after viewing or using the Service—including decisions made using Scenarios, Compare, Move budget, City guide, Neighborhoods, Dashboard, or the lifestyle chat/interpreter.

Price inputs may include seed/fallback scalars, manually ingested observations, named-source extracts, user-entered amounts, static FX assumptions, and other modeled inputs. Coverage, sample size, freshness, and confidence vary by city, neighborhood, and category. Thin samples, stale data, or missing categories may produce incomplete or misleading totals.

We do not warrant that any listing, basket, fare, utility, dining, health, fitness, pet, tax, or other figure is current, complete, representative, or available to you. Live observations, where shown, may still be sparse, neighborhood-skewed, or outdated relative to market conditions on the day you view them.

We may update, correct, withdraw, or replace data without notice. Past displays are not a guarantee of future displays. “Traceable” presentation of inputs does not mean those inputs are verified against every vendor or that they will match your checkout, lease, or invoice.

• Housing figures are not rental offers and may not reflect deposits, agency fees, utilities inclusion, furniture, pets, or building rules.
• Grocery figures model baskets or categories—not a single receipt—and will not match your shopping habits one-for-one.
• Transport, dining, utilities, health, fitness, and pets lines may use tariffs, seeds, or limited observations and can omit taxes, tips, surge pricing, or plan tiers.
• Tax-related lines are simplified modeling aids, not a tax computation, filing position, or cross-border advice.
• Currency conversion may use approximate or static rates and optional user FX shifts; displayed amounts can diverge from bank or card rates and fees.

The Scenarios feature (and similar save/compare tools) freezes a snapshot of city, neighborhood, and lifestyle profile inputs so you can revisit or compare hypothetical configurations. A scenario is not a recommendation, endorsement, or prediction that a lifestyle is affordable, desirable, lawful, or attainable for you.

Loading, deleting, or comparing scenarios does not create any contractual right to housing, pricing, or services in any location. Scenario totals recalculate using then-current Service logic and data; saved scenarios are not locked historical quotes.

You are responsible for the accuracy of lifestyle inputs you provide (rent overrides, dining frequency, pets, work patterns, FX shifts, and similar). Garbage in, garbage out—incorrect inputs produce incorrect models.

The Service may include natural-language or AI-assisted features that interpret your words into lifestyle-parameter changes. Those features can misunderstand intent, apply wrong parameters, omit constraints, or produce unsuitable replies.

You must review every change before relying on resulting totals. Automated replies are not advice, and we are not liable for actions you take based on chat or interpreter output. Do not submit sensitive personal data (government IDs, full financial account numbers, health diagnoses, etc.) into chat fields.

Parts of the Service store preferences, profiles, scenarios, and related inputs in your browser (for example localStorage) so you can continue without creating an account.

Optional accounts use email magic-link sign-in. When you sign in, we may sync your lifestyle profile, scenarios, and related app state to our systems so they follow you across devices. You are responsible for devices you use, for protecting access to your email inbox, and for not sharing access with unauthorized persons.

You may clear local data, delete synced app state, and request account deletion as described in our Privacy Policy. Transmission over the internet is never perfectly secure. You use the Service understanding that residual risk of unauthorized access, loss, or corruption of data remains.

You agree not to, and not to assist others to:

• Violate any law, third-party right, or these Terms.
• Scrape, crawl, harvest, bulk-download, or systematically extract the Service or its data except through interfaces we expressly authorize in writing.
• Reverse engineer, decompile, or attempt to derive source code or non-public models except to the limited extent such restriction is prohibited by law.
• Interfere with, disrupt, overload, or probe the Service; bypass rate limits, access controls, or security; or introduce malware.
• Misrepresent Costovida outputs as official government statistics, bank quotes, insurer rates, or binding offers from third parties.
• Use the Service to build a competing dataset or cost-of-living product by wholesale copying of our curated observations, catalogs, or presentation of modeled results, except for fair use of your own screenshots of your personal results.
• Upload or transmit unlawful, infringing, defamatory, or abusive content.
• Use automated means to create abusive load or to manipulate displayed estimates.

We may investigate violations and suspend or terminate access, with or without notice, where we reasonably believe these Terms or law have been breached.

The Service—including software, design, trademarks (including “Costovida”), text, graphics, compilation of observations, cost-engine methodology as expressed in the product, and selection/arrangement of data—is owned by the Company or its licensors and is protected by intellectual-property laws.

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial evaluation of lifestyle costs, subject to these Terms. No other rights are granted by implication or otherwise.

You may not copy, modify, distribute, sell, lease, or create derivative works from the Service except as expressly allowed herein or under mandatory law.

You retain ownership of text and parameters you submit. You grant us a worldwide, royalty-free license to use, host, store, reproduce, modify, and create derivative works from those inputs as needed to operate, secure, improve, and develop the Service (including aggregate and de-identified analytics that do not reasonably identify you).

For personal lifestyle and scenario data tied to your account, that license lasts while we provide the Service to you and for a reasonable period afterward needed for backups, security, or legal compliance. It ends when we delete that personal data following a verified deletion request or your in-product deletion of synced state, except for aggregate or de-identified data that no longer reasonably identifies you.

Product feedback, ideas, and suggestions are handled separately: if you send them, you grant us a perpetual, irrevocable, royalty-free license to use them without obligation or compensation.

You represent that you have rights to submit what you submit and that doing so does not violate law or third-party rights. Our Privacy Policy explains how personal information is processed.

The Service may reference or display information derived from third-party sites, APIs, tariffs, user reports, or other sources. We do not control those parties and do not endorse their products or guarantee their accuracy. Your dealings with third parties are solely between you and them.

Outbound links are provided for convenience. We are not responsible for third-party sites’ content, policies, or practices.

We may modify, suspend, or discontinue any part of the Service at any time, including cities, categories, features (such as Scenarios), data feeds, and AI tools, without liability.

Features may be experimental, incomplete, or labeled as prototype. Availability in one city does not imply equal coverage elsewhere.

The Service may be offered free or paid. If paid plans, subscriptions, or usage fees are introduced, additional payment terms will be presented at purchase. Except where required by law, fees are non-refundable once charged.

You are responsible for applicable taxes on purchases.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT ESTIMATES WILL MATCH YOUR ACTUAL COSTS; THAT DATA WILL BE CURRENT OR ERROR-FREE; THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR FREE OF HARMFUL COMPONENTS; OR THAT DEFECTS WILL BE CORRECTED.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS. IN THOSE JURISDICTIONS, WARRANTIES ARE DISCLAIMED TO THE FULLEST EXTENT PERMITTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY; OR COST OF SUBSTITUTE SERVICES; OR RELOCATION, HOUSING, TRAVEL, OR LIFESTYLE COSTS—WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE—EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) US $100.

THESE LIMITATIONS ARE A FUNDAMENTAL PART OF THE BARGAIN AND APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS LIMIT THESE EXCLUSIONS; IN THOSE CASES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED.

You will defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your lifestyle, relocation, housing, or financial decisions; (c) your inputs or content; (d) your violation of these Terms or law; or (e) your infringement of third-party rights.

Except for disputes that qualify for small-claims court or claims for injunctive relief to protect intellectual property, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (or Commercial Rules if Consumer Rules do not apply). The seat of arbitration is Wilmington, Delaware. The language is English. Judgment on the award may be entered in any court of competent jurisdiction.

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS.

If the class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) must proceed in court, and the remainder of this arbitration section still applies.

Nothing in this section prevents either party from seeking temporary or preliminary injunctive relief in court to protect rights pending arbitration.

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles that would require another jurisdiction’s law. Subject to the arbitration section, exclusive venue for permitted court actions is the state or federal courts located in Wilmington, Delaware, and you consent to personal jurisdiction there.

If you are a consumer resident in a jurisdiction that prohibits the foregoing choice of law or venue, mandatory consumer protections of your place of residence may still apply to the extent required by law.

To the maximum extent permitted by law, any claim arising out of or related to the Service or these Terms must be filed within one (1) year after the claim accrued; otherwise it is permanently barred.

You may stop using the Service at any time. We may suspend or terminate your access immediately if you breach these Terms, if required by law, or if we discontinue the Service.

Sections that by their nature should survive (including ownership, disclaimers, limitations, indemnity, arbitration, and governing law) survive termination.

We may update these Terms from time to time. The “Last updated” date at the top will change when we do. Material changes may also be signaled via the Service or the contact channel we maintain. Continued use after the effective date of updated Terms constitutes acceptance. If you do not agree, stop using the Service.

These Terms are the entire agreement between you and us regarding the Service and supersede prior agreements on that subject. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remainder will continue in effect.

Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, corporate reorganization, or sale of assets. There are no third-party beneficiaries except as expressly stated for indemnified parties.

Notices to us must be sent to the contact email below. Notices to you may be posted in the Service or sent to an email you provide.

The Service is operated from the United States. If you access it from elsewhere, you do so on your own initiative and are responsible for compliance with local law.

Questions about these Terms: legal@costovida.com.

Privacy and personal-data requests are described in our Privacy Policy (also reachable from the site footer).

Costovida is a product of Two Brains LLC.