Terms of Service
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 or fiduciary 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
- Free trial, 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 and Cookies page. Questions: email [email protected].