Terms of Service — version 2026-09-29

Version: 2026-09-29
Status: In effect from September 29, 2026 until October 6, 2026
Effective date: 29 September 2026
What changed: Service description (not-advice disclaimer) reworded: "advisory or fiduciary relationship" became "advisory relationship".
Previous versions: 2026-11-11b · 2026-10-06 · 2026-09-01 · 2026-07-17 · All legal changes

This is an archived, superseded version kept for reference. The current version is at /terms; it takes effect November 11, 2026. The version currently in effect is 2026-10-06.

This page is a placeholder while our Terms of Service are finalized with legal counsel. It is not yet a complete or binding agreement. The sections below reflect decisions already made; sections covering liability, governing law, dispute resolution, and cancellation/refund specifics are still being finalized and will be published here — and only take effect — once attorney review is complete.

1. What HEADING is

HEADING provides informational and educational estimates only. It is not financial, investment, tax, legal, or accounting advice, and using HEADING does not create any advisory relationship. Figures are modelled estimates based on the information you provide and third-party data of varying freshness — they are not guarantees and will differ from your actual results. Tax outcomes, expat regimes, and cost data change frequently and vary by individual circumstances. Before making any relocation, employment, or financial decision, consult a professional licensed in the relevant jurisdiction (e.g. a CPA, enrolled agent, tax attorney, or financial adviser).

2. Acceptable use

You may not scrape or automatically extract data from HEADING's city research or reports beyond your own personal use; resell or redistribute reports as a competing data product; reverse engineer the service; use HEADING for any unlawful purpose; or attempt to overload or abuse the analysis pipeline.

3. Coming soon

The following sections are drafted and awaiting attorney sign-off before publication:

Accounts, eligibility & security

Plans, pricing & payment authorization

Auto-renewal & cancellation

Refund & accuracy guarantee — terms and claim window

Warranty disclaimer & limitation of liability

Intellectual property

Governing law, disputes & changes to these terms

4. Related policies

See also our Privacy Policy [/privacy] and Cookies page [/cookies]. Questions: email [email protected] [mailto:[email protected]].