Terms of Use

Effective date: February 23, 2026

By using heresadecision.com ("the site"), you agree to the following terms. If you do not agree, do not use the site.

1. What This Site Does

This site provides data-backed recommendations based on the inputs you provide and a scoring model grounded in public research. Our tools give you a clear answer for your situation. They are not a substitute for licensed professional advice.

2. Voluntary Use

Your use of this site is entirely voluntary. You are free to use or not use any tool at your discretion. Every recommendation is based on the specific inputs you provide and the research behind our scoring model.

3. Your Decision

You are responsible for any action you take based on a recommendation from this site. We give you a clear answer based on your numbers. What you do with that answer is up to you.

4. No Guarantees

We do not guarantee the accuracy, completeness, or suitability of any result. Our tools use a scoring algorithm based on published research and the inputs you provide. Individual circumstances vary, and our tools cannot account for every factor in your situation.

5. Limitation of Liability

Here's a Decision, its owners, and its contributors shall not be held liable for any loss, damage, or consequence arising from the use of this site or reliance on any recommendation provided. You use this site at your own risk.

6. Consult a Professional

We encourage you to consult a qualified professional (such as a financial advisor, attorney, doctor, or career counselor) before making any significant decision. Our tools run the numbers and give you a recommendation. A professional can factor in things our tools cannot.

7. Changes to These Terms

We may update these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Continued use of the site after changes are posted constitutes acceptance.

8. Contact

Questions about these terms? Contact us at legal@heresadecision.com.