Disclaimer

General Disclaimer

The information provided by Settilo LLC ("Company," "we," "us," or "our") on our neighborhood analytics platform (the "Service") is for general informational purposes only. All information on the Service is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Service.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Service or reliance on any information provided on the Service. Your use of the Service and your reliance on any information on the Service is solely at your own risk.

Not a Consumer Report (FCRA Disclaimer)

The reports, scores, ratings, and data analytics provided through our Service are NOT "consumer reports" as defined under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) ("FCRA"). Our Service is not a "consumer reporting agency" as defined under the FCRA.

The Company does not collect or evaluate information at the level of specific individuals and does not assemble or evaluate consumer-level data. The Service operates solely at aggregated geographic levels (census tract, ZIP code, city, county, etc.) and does not produce reports about individual persons.

Our products and services must NOT be used, in whole or in part, as a factor in:

• —Establishing a consumer's eligibility for credit or insurance
• —Employment screening or decisions
• —Tenant screening or rental application evaluation
• —Any other purpose authorized under Section 604 of the FCRA

You agree that you will not use any information from our Service for any FCRA-regulated purpose.

Data Accuracy Disclaimer

Our Service aggregates and analyzes data from numerous public and third-party sources. While we take reasonable measures to ensure data quality, you acknowledge that:

• —Public data sources may contain errors, omissions, or outdated information.
• —Neighborhood conditions, crime statistics, school ratings, and other metrics change over time and may not reflect current conditions.
• —Statistical models, scores, and projections inherently involve uncertainty and are not guarantees of actual conditions or outcomes.
• —Different data sources may report conflicting information about the same subject matter.
• —Local conditions may vary significantly even within the same neighborhood or census tract.

We recommend independently verifying any information that is important to your decision-making through primary sources and on-the-ground research.

Crime and Safety Data Disclaimer

Crime data presented on the Service is derived from publicly reported statistics, including but not limited to FBI Uniform Crime Reports, local law enforcement agency reports, and other government sources. You acknowledge that:

• —Crime data may not reflect actual incidents, unreported activity, or current conditions.
• —Geographic aggregation (at the census tract, ZIP code, or city level) may distort hyperlocal variations within a given area.
• —Reporting methodologies differ across jurisdictions and may change over time, affecting comparability.
• —Low crime statistics in a given area do not guarantee personal safety, and high crime statistics do not necessarily indicate imminent danger.

The Company does not make any representation or warranty regarding the safety of any neighborhood, street, or address. Crime and safety data is provided for general informational context only and should not be relied upon as a definitive assessment of safety conditions.

Not Professional Advice

The Service does not provide and is not a substitute for:

• —Real Estate Advice: We are not licensed real estate agents or brokers. Our information does not constitute real estate advice. Consult a licensed real estate professional for guidance on specific properties or transactions.
• —Legal Advice: Our information does not constitute legal advice. Consult an attorney for legal questions regarding real estate transactions, zoning, or property rights.
• —Financial Advice: Our cost-of-living estimates and financial projections do not constitute financial advice. Consult a licensed financial advisor or mortgage professional for financial guidance.
• —Safety Assessments: Our safety and crime data analytics are derived from publicly available statistics and do not constitute a professional safety assessment. They should not be relied upon as the sole measure of neighborhood safety.
• —Environmental or Health Assessments: Any environmental data we provide does not replace professional environmental or health assessments.

AI-Generated Content Disclaimer

Portions of our Service may utilize artificial intelligence and machine learning technologies, including natural language processing for lifestyle preference analysis and automated report generation. AI-generated content may contain inaccuracies or reflect limitations in training data. Such content is provided as supplementary information and should be evaluated using your own judgment and independent verification.

School and Education Data

School ratings, test scores, and education-related data presented on our platform are sourced from federal and state education databases. These metrics represent one of many factors to consider when evaluating schools. School quality is multidimensional and cannot be fully captured by any single metric or rating system. We encourage families to visit schools, speak with educators, and consult multiple sources before making educational decisions.

Third-Party Content and Links

The Service may contain links to, or content sourced from, third-party websites, databases, or services. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of third-party sources. References to third-party products, services, or organizations do not constitute endorsement.

Public and Third-Party Data Ownership

Settilo LLC does not claim ownership of underlying raw data obtained from public government sources or third-party data providers. U.S. federal government data utilized by the Service is generally in the public domain under 17 U.S.C. § 105. State and local government data, as well as data from commercial third-party providers, remains the property of, or is subject to terms set by, its respective source.

Our intellectual property rights apply solely to our proprietary analytics, methodologies, scores, compilations, report formats, and original content — not to the underlying raw data from external sources.

Limitation on Damages

In no event shall Settilo LLC, its members, managers, employees, or agents be held liable for any decision made or action taken by you based on information provided through the Service, including but not limited to property purchases, rental agreements, financial commitments, or relocation decisions.

Recommendation: Always conduct thorough independent research, visit neighborhoods in person, and consult with qualified professionals before making any housing or relocation decision.