Terms of Use
What this service does, what it does not do, and what it is responsible for. Updated November 6, 2026.
What it is.
Levelvale is a calculation tool. You enter your own figures; it shows the yield they produce after costs and tax, then places that result beside a bank deposit, government and corporate bonds, and an index fund calculated with the same formula.
Who provides the service.
Levelvale is operated by Individual Entrepreneur Tatiana Kuznetsova, registered in Georgia, identification code 305653245, address for legal notices: Akhmeteli St. 8, Tbilisi, Georgia. The service is provided from Georgia. Contact: hello@levelvale.com.
This is not investment advice.
The service does not advise you to buy or not to buy, does not value a specific property, and is not investment, tax, legal, or accounting advice. It shows the arithmetic and its inputs; you make the conclusion. If the decision is material to you, discuss it with an appropriate adviser in the country where the property is located.
The figures are preliminary.
Every Levelvale calculation is preliminary. The service's main aim is to help you start looking at the question soberly: to see what the return is made of and to compare it with clear alternatives. Deposit, bond and tax rates come from open sources on the date they were read and may change. Before deciding, check the terms with this or any other bank, in this country or another, and with a notary and a tax adviser. The decision is yours.
The calculation is based on your figures.
We do not and cannot verify whether the price, rent, rates, and time periods you enter are correct. The result is exactly as accurate as the inputs.
About data supplied by the page itself.
Some calculator values are placeholders and guides, not verified data for your market. Tax rules, including Georgian rates and thresholds, are drawn from public sources and clearly marked in the interface as requiring verification: tax law changes and applies differently to each case. Exchange rates are the official rates of the European Central Bank and national central banks, shown with their date and source; your bank’s rate may differ. None of these figures should be treated as a confirmed fact without independent verification.
Subscription.
A free account, with an email only, includes the calculation of one apartment with your own price, rent, costs, empty months, loan and the purchase, rent and property taxes of its country; the result next to a deposit, bonds and a fund; the first two steps of the analysis; and one saved calculation. On the free plan the other settings, including your own country's tax, the sale and its taxes, the exchange rate, rent and price growth and inflation, mortgage details, bonds and the fund, keep their official defaults and cannot be changed. You can change your own thresholds in the conclusion block (the deposit to compare with, extra payments, payback period, the floor for an urgent sale) on the free plan too. The full model is available by subscription: $10 per month or $89 per year, excluding VAT or sales tax, which our payment partner adds at checkout where applicable; the subscription renews automatically for the same period (a month or a year) until cancelled. Payments are processed by our payment partner as merchant of record: Paddle.com Market Ltd for the main checkout on this site; payments by Bank of Georgia cards are accepted by Gumroad, Inc. as merchant of record; the partner's name is on your receipt and its terms apply to the payment itself. You may cancel at any time: in the members area (Manage subscription) or by writing to hello@levelvale.com; no further charges are made, and access continues until the end of the paid period. Refunds are described in our Refunds and cancellation policy.
Apartment report.
Buying a report is final: the report opens right after payment, and by paying you agree to receive it immediately. Exceptions: if a technical error kept the report from opening, we open it for you or refund the payment; and cases where the law of the buyer's country directly requires a refund. Seller and payment processor: Paddle (or Gumroad for Bank of Georgia cards); their refund rules also apply.
Account.
Access is tied to the email address used for payment. Do not share access with third parties. You are responsible for keeping your password secure.
Prohibited use.
You may not present calculation results as an independent valuation or expert opinion, automatically extract the site’s contents, or try to access another person’s account or saved calculations.
Liability.
We provide the service with reasonable care and skill, as it is described on this site. If it does not work as described or the arithmetic contains an error on our side, tell us: we fix it and, where a paid period was affected, refund or credit that period (see Refunds and cancellation). We are not responsible for decisions you make on the basis of a calculation or for losses resulting from those decisions: the result depends on your figures and assumptions and is not advice. Nothing in these terms limits or excludes liability that the law does not allow to be limited or excluded, or the rights you have as a consumer under the law of Georgia or of your country of residence.
Changes.
We may change these terms, for example when the service or the law changes. For a material change that affects subscribers, including the price, what the subscription includes, renewal or cancellation, we email you at least 30 days before it takes effect; a new price applies only from a renewal after that notice, and you can cancel before then. Other changes take effect when published here; the date of the last update is at the top of the page.
Governing law.
These terms are governed by the law of Georgia. Disputes are resolved in the courts of Tbilisi, Georgia, unless the consumer-protection law of your country of residence gives you the right to a different forum, in which case that right applies.
Age.
You must be 18 or older to create an account.
Ending your account.
You may close your account at any time: write to hello@levelvale.com from its address and we delete it with everything saved in it, as described in the Privacy Policy. Cancelling a subscription does not delete the account.
Contact point.
For users and authorities, including under the EU Digital Services Act: hello@levelvale.com, in English or Russian. Postal address for legal notices: Akhmeteli St. 8, Tbilisi, Georgia. This text is published in English and Russian. Georgian version: ქართული.