Terms of Use

Last updated: April 22, 2026

3Y provides goal-driven real-estate analytics. We’re not your financial advisor. Use our tools responsibly.

The Short Version

We offer analytics to help you think through investments. It’s educational information—not financial, tax, legal, insurance, or real-estate advice. Markets change, data can be imperfect, and investing involves risk, including loss of capital. You’re responsible for your decisions and should consult qualified professionals.

What 3Y Is

  • Cashflow scores, location scores, and combined 3Y scores.
  • Target purchase price estimates and ROI projections at 3/5/7+ years.
  • Neighborhood analytics and market comparisons.
  • Goal-driven analysis reflecting your inputs and objectives.

We continuously improve the platform and may add, modify, or retire features, score formulas, usage limits, and service protections.

Important Disclaimers

  • Educational only: Information is for educational purposes.
  • No professional advice: Not financial, tax, real-estate, insurance, or legal advice.
  • Do your homework: Validate assumptions; consult qualified professionals.
  • Data limits: We source from reputable entities (e.g., Census, BLS, FEMA, FHFA, FBI, NOAA, Federal Reserve, Realtor.com® Economic Research, Google Maps, and other trusted providers) but can’t guarantee accuracy or completeness.
  • No guarantees: Past trends don’t predict future results.
  • No liability: 3Y isn’t liable for decisions or actions you take based on our information.

Your Responsibilities

  • You’re at least 18 and legally able to agree to these terms.
  • You’ll keep your account secure and your information accurate.
  • You’ll comply with laws applicable to your use of the service.

Acceptable Use

Don’t break the law, abuse, disrupt, or game the service. Specifically, you agree not to:

  • Access or scrape data in bulk or for a competing product.
  • Reverse engineer or probe security.
  • Share accounts or misrepresent identity.
  • Upload unlawful, infringing, or harmful content.
  • Use bots, scripts, automation, or repeated machine-driven actions to overload, bypass, or exploit the service.
  • Abuse or excessively consume third-party metered features such as address search, autocomplete, interactive maps, or similar services made available through the platform.

Fair-Use & Anti-Abuse Enforcement

Each person may maintain only one free 3Y account. Creating or attempting to create multiple accounts to bypass usage limits or gain additional free credits is prohibited.

To uphold this rule, 3Y may maintain pseudonymous identifiers derived from limited account data (such as hashed email or phone) to detect repeat sign-ups. These identifiers don’t contain raw personal information and exist solely to enforce fair-use and prevent fraud.

We may also monitor the use of certain platform features, including third-party metered services, in order to detect abusive, excessive, automated, or destabilizing patterns of use.

We reserve the right to limit, throttle, suspend, restrict, or deny free credits, selected features, or account access if we detect abuse, automated sign-ups, excessive automated use, or any behavior that undermines the fairness, stability, sustainability, or shared service costs of the platform.

These protections may be applied at the account, feature, session, or request level, and may be used even before a platform-wide outage or provider quota issue occurs if reasonably necessary to protect the service or other users.

Ownership & License

  • You own the property inputs you provide and the specific analyses/reports tied to your account.
  • We own the 3Y platform, models, algorithms, interfaces, and trademarks.
  • You grant us a limited license to process your inputs/results to operate, secure, and improve the service.
  • Aggregated & anonymized data: You agree that 3Y may generate aggregated, anonymized, or statistical data from your activity—such as report counts, feature usage, and market-level analytics—that cannot reasonably be used to identify you. 3Y owns this aggregated data, and our right to retain, use, and disclose it for any lawful purpose survives deletion of your account or termination of this agreement.

Plans, Billing & Cancellations

  • Free plan: 5 analyses per month, no credit card required.
  • Subscriptions: Monthly or annual, renewing on the same calendar day each cycle.
  • Payments: Processed by Stripe. Taxes may apply.
  • Cancellation: No contracts. Cancel anytime; access continues through the paid period. No refunds for partial periods.
  • Changes: We may update pricing; we’ll give reasonable notice for subscription changes.

Some platform features may rely on third-party metered services and may be subject to fair-use protections, temporary throttling, or other reasonable controls intended to preserve service quality and platform sustainability.

Emails

Service Emails Required

Security alerts, receipts, critical notices, plan usage, and similar operational messages.

Product & Promotional Emails Optional

Feature updates, tips, educational content, occasional promotions. Every message includes an unsubscribe link; opting out won’t affect service emails.

Investment Guidance Note

We sometimes publish rules of thumb such as the “3Y Two-Gate rule” (e.g., Gate 1: 6–15% CoC; Gate 2: 1.25–1.30 DSCR). These are educational heuristics only. They are not recommendations and may not suit your market or situation.

Availability

We strive for steady uptime, but downtime happens—maintenance, provider outages, or the internet being the internet. We may also apply reasonable technical protections, fair-use controls, feature limits, or temporary throttling to protect service reliability or shared infrastructure. We’re not liable for losses due to outages, provider issues, or these reasonable protective measures.

Limitation of Liability

To the fullest extent allowed by law, 3Y and its suppliers won’t be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits/revenue/data, even if advised of the possibility. Our total liability for any claim is limited to the amounts you paid to 3Y in the 12 months before the claim.

Termination

You can delete your account anytime. We may suspend or terminate your access if you violate these terms, misuse the service, risk harm to other users, impose unreasonable burden on the platform or third-party services, or create legal exposure.

Governing Law

These terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Venue and jurisdiction lie in state or federal courts located in Galveston County, Texas.

Changes to These Terms

We’ll notify you of material changes by email or in-app. Continued use after changes means you accept the updated terms.

Contact

Questions about these terms? Email hello@3ynow.com.