Terms of Service

The following activities are strictly prohibited. Violation may result in immediate account termination, legal action, or both:

• No automated scraping, crawling, or data extraction of any kind, whether by bot, script, spider, or any other automated means
• No bulk downloading or systematic collection of pricing data from the website
• No commercial redistribution of HomeQuotr data without an active API subscription
• No building competing products or services using HomeQuotr data
• No circumventing rate limits, access controls, authentication mechanisms, or any other technical restrictions
• No reverse engineering the data pipeline, classification algorithms, or aggregation methods
• No impersonating another user, person, or entity, or misrepresenting your affiliation with any person or organization
• No interfering with the Service through denial-of-service attacks, injection, exploits, or any method designed to disrupt or degrade performance

HomeQuotr's aggregated datasets, classification algorithms, data pipeline, normalization methods, presentation layer, website design, and brand assets are the proprietary property of LocalLayer AI LLC.

The underlying public permit data is publicly available. However, the way HomeQuotr organizes, classifies, normalizes, aggregates, and presents that data is proprietary and protected by applicable intellectual property laws. This compilation copyright extends to our data structures, taxonomies, pricing aggregations, and the overall selection and arrangement of data.

You retain ownership of any data you provide through your account (saved searches, alert preferences, profile information). By using the Service, you do not acquire any ownership rights in HomeQuotr's intellectual property.

To the maximum extent permitted by law, LocalLayer AI LLC's total liability to you for any claims arising from or related to the Service is limited to the amount you paid to HomeQuotr in the twelve (12) months preceding the claim. For users of the free tier, this cap is one hundred dollars ($100).

In no event will LocalLayer AI LLC be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill, regardless of whether we were advised of the possibility of such damages.

The limitations in this section do not apply to liquidated damages owed by you to HomeQuotr under the Liquidated Damages for Automated Harvesting section (currently Section 13). Those damages are expressly permitted notwithstanding the limitations in this section.

HomeQuotr's pricing data is the commercial core of the product. Unauthorized automated harvesting of that data directly injures our ability to sell it as a premium data product. Because actual damages from scraping are difficult to quantify (they include lost subscription revenue, devalued data assets, and harm to underwriting-grade data integrity), the parties agree that the following liquidated-damages provision represents a reasonable pre-estimate of harm and not a penalty.

HomeQuotr and the User each acknowledge that the damages flowing from unauthorized automated harvesting are inherently difficult to quantify because they include lost subscription revenue across all potential buyers of the harvested data, permanent devaluation of HomeQuotr's proprietary data assets, harm to underwriting-grade data integrity, and diversion of engineering and legal resources. The per-violation amount set forth in this section reflects the parties' good-faith estimate of those damages, determined at the time of contract formation when actual damages could not be reasonably calculated.

Violation definition.Each distinct API call or page request attributable to automated harvesting constitutes one violation. A request is attributable to automated harvesting if: (a) the per-account response fingerprint recovered from a republication matches the deterministic watermark seed associated with your API key, as documented in HomeQuotr's watermarking methodology (methodology version hq_watermark_v1.0_2026, incorporated here by reference); or (b) your API key has been flagged via HomeQuotr's anomaly detection system (methodology version hq_anomaly_detection_v1.0_2026, incorporated by reference) based on permutation-harvesting patterns (more than 50 distinct canonical query hashes within any 10-minute window) or credential-stuffing patterns (more than 20 rows in api_usage with response status 401 from the same IP hash within any 5-minute window). HomeQuotr bears the burden of proving attribution by a preponderance of the evidence. Evidence of attribution may include, but is not limited to, (i) cryptographic matching of per-account response fingerprints under HomeQuotr's watermarking methodology, and (ii) server-logged access patterns triggering HomeQuotr's anomaly detection thresholds. The User may rebut attribution with contemporaneous evidence of lawful use.

Liquidated Damages. For each violation, you agree to pay LocalLayer AI LLC fifty thousand dollars ($50,000), provided that the aggregate amount recoverable under this section for all violations arising from a single course of conduct shall not exceed the greater of (a) five million dollars ($5,000,000) or (b) ten times (10x) the annualized subscription fees paid or payable by you to HomeQuotr in the twelve (12) months preceding the first identified violation.

Pre-suit notice.Before filing suit under this section, HomeQuotr must send written notice to the alleged violator identifying: (i) the alleged violator's account or IP, (ii) an approximate count of violations, (iii) a summary of the evidentiary basis, and (iv) HomeQuotr's demand. The alleged violator has thirty (30) calendar days from delivery of that notice to cease the conduct, respond in writing, or negotiate a resolution. HomeQuotr will accept notice responses at support@homequotr.com.

Governing law and venue. This section is governed by the laws of the State of Delaware, without regard to conflict-of-laws provisions. Any action to enforce this section must be brought in a state or federal court located in Delaware, and you consent to the exclusive personal jurisdiction of those courts for this purpose. This Delaware-law and Delaware-court carve-out applies only to enforcement of this section and does not affect the New Jersey governing-law and arbitration provisions in the Limitation of Liability section (currently Section 12) and the Dispute Resolution section (currently Section 15) for all other disputes.

Carve-out from the Limitation of Liability section. The Limitation of Liability section (currently Section 12) limits HomeQuotr's liability to you. This section runs in the opposite direction: it establishes your liability to HomeQuotr. The limitations and exclusions in the Limitation of Liability section (currently Section 12), including the consequential-damages exclusion and the fee-based liability cap, do not apply to claims brought by HomeQuotr under this section. The Limitation of Liability section (currently Section 12) shall be read to include the following: "except for liquidated damages under the Liquidated Damages for Automated Harvesting section (currently Section 13), which are expressly permitted notwithstanding the limitations in this section."

Carve-out from the Dispute Resolution section. Notwithstanding the arbitration requirement in the Dispute Resolution section (currently Section 15), any action to enforce this section must be brought in court, not arbitration. The parties agree that arbitration is not an appropriate forum for liquidated-damages enforcement under this section. All other disputes remain subject to the Dispute Resolution section (currently Section 15).

Cumulative remedies. The liquidated damages set forth in this section are in addition to, and not in lieu of, any other remedies available to HomeQuotr at law or in equity, including claims under the Computer Fraud and Abuse Act (18 U.S.C. § 1030) and state computer-fraud statutes. HomeQuotr may plead liquidated damages and such other claims in the alternative; election of remedies is not required.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service will be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Arbitration will be conducted on an individual basis only. You agree to waive your right to participate in a class action, class arbitration, or any other representative proceeding.

Small claims court exception: either party may bring qualifying claims in small claims court in the state of New Jersey.

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws provisions.

Notwithstanding the foregoing, claims arising under the Liquidated Damages for Automated Harvesting section (currently Section 13) are excluded from this arbitration requirement and must be brought in court as described in that section.