Terms & Conditions

We believe in keeping things clear, straightforward, and fair. These terms are here to explain how everything works when you use our Website or purchase from us.

Welcome to Home Decision Research, operated by Everstead Media, LLC ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of homedecisionresearch.com (the "Website"), including any content, digital products, downloads, offers, emails, services, and related materials made available through the Website.

By accessing or using this Website, purchasing any product, or downloading any content from us, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Website.

1. Use of Website

You agree to use this Website only for lawful purposes and in a manner that does not violate any applicable law, regulation, or the rights of any third party. You may not use this Website for any unlawful, fraudulent, or abusive purpose; to interfere with or disrupt the Website or its security; to attempt unauthorized access to any part of the Website, systems, or accounts; to copy, distribute, modify, scrape, reproduce, republish, or exploit Website materials except as expressly allowed under these Terms; or to use our content or products in a way that infringes our intellectual property rights.

We reserve the right to refuse service, restrict access, or terminate use of the Website at our discretion if we believe a user has violated these Terms.

2. Digital Products and Educational Purpose

Home Decision Research provides digital products, educational materials, research-based information, and general homeowner guidance intended to help consumers make more informed home-related decisions.

All products and content are provided for informational and educational purposes only. They are not a substitute for professional advice, inspections, legal advice, tax advice, financial advice, engineering advice, contractor evaluation, insurance claim advice, or other licensed professional services.

Your use of our content is at your own risk. You are responsible for evaluating any information before relying on it in your own situation.

3. No Professional, Legal, Financial, or Contractor Advice

Nothing on this Website or in our products should be interpreted as legal advice, financial advice, tax advice, insurance advice, engineering advice, construction advice, home inspection advice, contractor licensing advice, or professional consulting services.

We do not guarantee that any homeowner decision, vendor choice, repair outcome, cost estimate, insurance claim result, or maintenance action will produce a specific result. You should consult qualified professionals where appropriate before making important decisions involving your home, safety, finances, repairs, legal rights, or insurance matters.

4. Product Access and Delivery

When you purchase a digital product from us, you will typically receive access through a download page, email delivery, member area, third-party platform, or similar digital delivery method.

We make reasonable efforts to provide prompt access after purchase, but we do not guarantee uninterrupted or error-free delivery at all times. It is your responsibility to provide a valid email address and verify that you can receive communications from us.

5. Payment Terms

All prices are listed in U.S. dollars unless otherwise stated. Payments may be processed through third-party payment providers, including Stripe. By submitting payment information, you authorize the applicable payment processor to charge the amount due for your purchase, including any applicable taxes or fees.

We are not responsible for errors, outages, account restrictions, payment holds, or other issues caused by third-party payment processors.

6. Refunds

We stand behind our products and offer a clear refund policy for your peace of mind. Any refunds are subject to our applicable Refund Policy, which is incorporated into these Terms by reference. We reserve the right to deny refund requests where abuse, repeated refund activity, unauthorized sharing, or other misuse is reasonably suspected, to the extent permitted by law and consistent with any stated refund terms.

7. Intellectual Property

All content on this Website and in our products — including text, copy, design, graphics, branding, layout, logos, downloads, research, frameworks, product structure, and other materials — is owned by or licensed to Everstead Media and is protected by copyright, trademark, and other applicable intellectual property laws.

When you purchase a product, you are granted a limited, non-exclusive, non-transferable, revocable license for your personal use only. You may not: resell, sublicense, redistribute, or share our products; reproduce or republish our materials; modify or create derivative works from our products for commercial use; upload or distribute our content publicly or privately for unauthorized use; or use our products to create competing products or derivative commercial materials. Any unauthorized use may result in termination of access and legal action where appropriate.

8. Personal Use Only

Unless we explicitly state otherwise in writing, all products sold through Home Decision Research are for individual personal use only. You may not share login details, downloadable files, purchased materials, or access credentials with others, or distribute purchased materials inside a group, business, organization, course, or membership without our prior written permission.

9. No Guarantees or Earnings Claims

We do not guarantee any specific outcome, result, savings amount, insurance outcome, negotiation result, maintenance result, or financial benefit from using our Website, content, or products. Any examples, illustrations, case references, estimates, or potential benefits discussed in our materials are provided for explanatory purposes only and should not be interpreted as guarantees or promises of actual results.

Results vary based on many factors, including your home, timing, location, service providers, market conditions, insurance terms, personal decisions, and circumstances beyond our control.

10. User Conduct

By using this Website, you agree not to submit false or misleading information; impersonate another person or entity; misuse support channels; attempt to reverse engineer, exploit, or disrupt the Website; transmit malicious code, spam, or harmful content; or violate the rights of the Company or any third party. We reserve the right to restrict or terminate access to the Website or our products if we believe you have engaged in prohibited conduct.

11. Third-Party Links, Tools, and Services

This Website may contain links to third-party websites, software, payment providers, platforms, or services. We do not control and are not responsible for the content, terms, privacy practices, availability, or actions of third parties. Your use of any third-party site or service is at your own risk and subject to that third party's own terms and policies.

12. Disclaimer of Warranties

This Website and all products, content, and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, to the fullest extent permitted by law. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, non-infringement, accuracy or completeness of content, uninterrupted or error-free access, and security or freedom from viruses or harmful components.

13. Limitation of Liability

To the fullest extent permitted by law, Everstead Media, Home Decision Research, and their owners, officers, employees, contractors, affiliates, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Website, products, or content. This includes, without limitation, damages for lost profits, lost savings, lost data, business interruption, personal decisions made in reliance on content, repair costs, contractor disputes, insurance disputes, property-related losses, or any other tangible or intangible loss.

To the fullest extent permitted by law, our total liability for any claim relating to the Website or any product shall not exceed the amount you paid to us for the specific product giving rise to the claim.

14. Indemnification

You agree to defend, indemnify, and hold harmless Everstead Media, Home Decision Research, and their affiliates, owners, officers, employees, contractors, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to your use or misuse of the Website or products, your violation of these Terms, your violation of any law or third-party right, or your reliance on any content in a way not intended by these Terms.

15. Privacy

Your use of the Website is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

16. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Any changes will become effective when posted on this page with an updated Effective Date. Your continued use of the Website after any changes are posted constitutes your acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles.

18. Dispute Resolution

Any dispute arising out of or relating to these Terms, the Website, or any product or service offered by us shall be resolved exclusively in the appropriate state or federal courts located in or serving Mecklenburg County, North Carolina, unless otherwise required by applicable law. By using this Website, you consent to the personal jurisdiction and venue of those courts.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

20. Entire Agreement

These Terms, together with our Privacy Policy and any posted Refund Policy or other legal notices on the Website, constitute the entire agreement between you and us regarding your use of the Website and purchase of products, and they supersede all prior communications or understandings relating to that subject matter.

21. Contact Information

If you have questions about these Terms and Conditions, you may contact us at: