Effective Date: May 8, 2026 | Last Updated: May 8, 2026
These Terms of Use govern your access to and use of realcostreport.com (the “Site”), operated by Dai Luong Ngo as an individual publisher. By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, do not use this Site.
1. Informational Purpose Only
All content published on Real Cost Report — including articles, cost analyses, rate comparisons, data tables, diagrams, and any other materials — is provided for general informational purposes only. Nothing on this Site constitutes, or should be construed as, professional advice of any kind.
Specifically:
- Legal content — does not constitute legal advice and does not create an attorney-client relationship. Consult a licensed attorney in your jurisdiction before making any legal decision.
- Financial content — does not constitute investment advice, financial planning advice, or tax advice. Consult a licensed financial advisor, CPA, or tax professional before making financial decisions.
- Insurance content — rates and coverage information shown are sample data and averages. Your actual premium and coverage will vary. Consult a licensed insurance agent or broker in your state.
- Healthcare content — does not constitute medical advice and does not create a physician-patient relationship. Consult a licensed healthcare provider for medical decisions and a licensed insurance agent for coverage decisions.
- Mortgage and lending content — rates shown reflect published averages and change daily. Contact an NMLS-registered lender for current rates applicable to your situation.
2. No Professional Relationship
Your use of this Site does not create any professional relationship between you and Dai Luong Ngo or Real Cost Report, including but not limited to an attorney-client relationship, financial advisor-client relationship, physician-patient relationship, or insurance agent-client relationship.
3. Accuracy of Information
Real Cost Report makes reasonable efforts to ensure that information published on this Site is accurate and current at the time of publication. However:
- Financial rates, insurance premiums, legal fees, and other cost data change frequently and may be outdated by the time you read them.
- Data is sourced from publicly available primary sources and may not reflect your specific circumstances, location, or risk profile.
- Modeled and estimated figures are clearly labeled and represent illustrative scenarios, not guaranteed outcomes.
We make no warranty, express or implied, as to the accuracy, completeness, or fitness for any particular purpose of any content on this Site.
4. Limitation of Liability
To the fullest extent permitted by applicable law, Dai Luong Ngo and Real Cost Report shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or reliance on any content published on this Site
- Any decision made based on information found on this Site
- Errors, omissions, or inaccuracies in published content
- Interruption or unavailability of the Site
- Any third-party content, services, or websites linked from this Site
You assume full responsibility for all decisions made based on content accessed through this Site.
5. Intellectual Property
All original content on this Site — including articles, analyses, graphics, SVG diagrams, and the selection and arrangement of data — is the intellectual property of Dai Luong Ngo and is protected by applicable copyright law.
You may:
- Read, print, and share links to articles for personal, non-commercial use
- Quote brief excerpts (under 50 words) with clear attribution to Real Cost Report and a link to the original article
You may not:
- Reproduce, republish, or redistribute full articles or substantial portions without written permission
- Scrape, copy, or use site content to train machine learning models
- Use content for commercial purposes without written permission
- Remove attribution or present site content as your own work
To request permission for uses not covered above, contact: [email protected]
6. Third-Party Links
This Site may include links to external websites, government databases, and institutional sources. These links are provided for reference and verification purposes only. Real Cost Report does not endorse, control, or take responsibility for the content, accuracy, or privacy practices of any linked third-party site.
7. Advertising
This Site displays third-party advertisements served by Google AdSense. The presence of an advertisement does not constitute an endorsement of the advertiser’s products or services. Advertisers do not influence, control, or have any editorial input into the content published on this Site.
8. User Conduct
By using this Site you agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any part of the Site or its infrastructure
- Submit false, misleading, or malicious content through any contact form
- Interfere with the normal operation of the Site
9. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of [Governing Law — to be updated], without regard to conflict of law principles. Any disputes arising from these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts of that jurisdiction.
10. Changes to These Terms
These Terms may be updated at any time. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of the Site after any update constitutes acceptance of the revised Terms.
11. Contact
For questions about these Terms:
Dai Luong Ngo
Real Cost Report
[email protected]