Terms of Service

1. Acceptance of terms

By creating a MedYields account, subscribing to MedYields Premium, or otherwise using the medyields.com service, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the service.

You must be at least 16 years old to create an account.

2. The service

MedYields publishes data on residential property markets in Greece and Cyprus, sourced from the Central Bank of Cyprus, the Bank of Greece, Eurostat, and other named statistical agencies. We provide:

• Free tier — flagship data pages, methodology disclosure, weekly briefings (when published), and the previews of premium analytical pieces.
• Premium tier — the full post-paywall analysis on premium pieces, methodology deep-dives, and any subscriber-only briefings.

We update the data quarterly as the underlying agencies publish, and we surface every approximation we make on the page that uses it. We do not publish listings aggregation, agent referrals, financing recommendations, or investment alerts.

3. Your account

You are responsible for keeping your account credentials secure. Authentication is handled by Clerk; we never see or store passwords.

Premium access is intended for individual use. Team or organisation access requires a separate arrangement — contact hello@medyields.com if you need it. We will not monitor account usage proactively, but a clearly-shared account (multiple geographies / time zones in close succession) may trigger a courteous email asking you to confirm the use case.

If you believe your account has been accessed by someone else, write to hello@medyields.com and we will work with Clerk to lock it.

4. Subscription terms

MedYields Premium is $29 USD per month (charged in your local currency at Gumroad's prevailing exchange rate), billed monthly in advance through Gumroad, which is our Merchant of Record. This means:

• Gumroad collects payment, handles EU VAT and any applicable sales taxes, and issues the receipt.
• Card details never touch our servers.
• The contract for payment is between you and Gumroad; the contract for service access is between you and MedYields.

Subscriptions auto-renew monthly unless you cancel. Renewal charges occur on the same day of each month as your initial signup.

We may change the price of premium with at least 30 days' notice by email. Price changes apply to renewals following the notice; they do not retroactively change the current billing period. If you cancel before the new price takes effect, you keep the old price until your current period ends.

5. Cancellation

You can cancel your premium subscription at any time from your account page, which links to Gumroad's customer portal. Cancellation takes effect at the end of your current billing period — you keep premium access until then.

You can also cancel by writing to hello@medyields.com. We will confirm the cancellation by reply.

6. Refunds

Premium subscriptions are non-refundable for partial months. Cancellation ends the renewal cycle but does not pro-rate the current period.

Refunds for technical failures (you were charged twice, you were charged after a confirmed cancellation, the service was inaccessible for an extended period due to our fault) are available at our discretion and processed by Gumroad. Write to hello@medyields.com with the receipt and a description of the issue.

Gumroad's own refund policy governs the payment-processing side of any refund. See help.gumroad.com/article/9-can-i-get-a-refund for their terms.

7. Content licence

The data we publish is sourced from public statistical agencies and combined with our own editorial commentary, methodology disclosure, and scoring models.

You may:

• View, read, and download MedYields pages for your personal or internal-business use.
• Quote from MedYields with attribution. We ask that quotations longer than 150 words include a link back to the source page; shorter quotes are appreciated but not required.
• Reference the methodology and findings in your own analysis, with attribution to “MedYields (medyields.com)”.

You may not:

• Redistribute premium content (the post-paywall sections of premium pieces, weekly briefings, methodology deep-dives) to non-subscribers, including by republishing, screen-capturing for resale, mirroring on another site, or posting behind a different paywall.
• Scrape the site at more than 1 request per second from a single source, run automated harvesting of premium pages while authenticated, or otherwise extract content at a rate that meaningfully burdens our infrastructure.
• Reverse-engineer the snapshot pipeline — attempting to deduce, replicate, or republish our composed snapshots in a way that substitutes for a MedYields subscription.
• Train AI models on MedYields content (free or premium) without an express written licence from us. Inclusion in research-only datasets with attribution may be permitted on case-by-case request — contact hello@medyields.com.
• Bypass the paywall — attempting to access premium content via the public API surface, scraping the static snapshot files in /data/, or any equivalent route.
• Resell access to your premium account, account credentials, or premium content to third parties.

Violations of this section may result in account termination under Section 10 and, in serious cases, legal action.

8. Methodology disclaimer

MedYields publishes data and analysis. We do not publish financial advice, investment advice, tax advice, or legal advice.

The price-growth figures, rental yields, scoring outputs, and recommendation labels (Buy / Wait / Skip on the yield-model page, for example) are signal-strength readings against the data we ingest, not personalised investment guidance. They do not account for your tax residency, time horizon, liquidity needs, currency exposure, household debt position, or any other personal financial circumstance.

Property markets carry risk. Past price growth does not guarantee future returns. Rental yields can compress or invert. Index revisions sometimes change a quarter's reading materially after first publication. We surface these uncertainties in the methodology footers on every page; we cannot remove them.

Before acting on anything you read on MedYields, consult a qualified financial adviser, tax adviser, and real-estate professional licensed in the jurisdiction where you intend to transact. MedYields is not licensed to provide advice in any jurisdiction.

9. Limitation of liability

To the maximum extent permitted by applicable law, MedYields is not liable for any investment, financial, or property decision you make in reliance on the content we publish. This includes (but is not limited to) losses arising from price movements, rental-market changes, currency movements, tax-treatment changes, regulatory changes, transaction failures, or any acts of third parties.

Our aggregate liability to you for any claim relating to the service, regardless of cause, is capped at the total fees you paid to MedYields in the twelve months preceding the claim. For free-tier users, that cap is EUR 0.

Nothing in these terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation by us; (c) any other liability that cannot be excluded or limited under your applicable consumer-protection law.

10. Termination

You can terminate your account at any time by cancelling your subscription (Section 5) and writing to hello@medyields.com to request account deletion. Deletion is processed within 30 days; some records may be retained per our Privacy Policy Section 6.

We may terminate or suspend an account for:

• Abuse of the service (scraping, bypassing the paywall, automated content harvesting, repeated impersonation attempts).
• Fraud (charge-back fraud, identity fraud, payment fraud).
• Material violation of these terms after we have given you reasonable notice and an opportunity to cure.
• A legal or regulatory requirement that compels us to do so.

Where termination is for cause and the cause is not your fraud or abuse, we will refund any unused portion of the current billing period through Gumroad.

We may also withdraw the service entirely with at least 60 days' notice by email, in which case all premium subscribers receive a pro-rated refund of the unused portion of their current billing period.

11. Changes to these terms

We will update this page with material changes and notify premium subscribers by email at least 30 days before the change takes effect. Continued use of the service after the effective date constitutes acceptance of the new terms. If you do not accept the new terms, cancel your subscription before the effective date and you will not be charged again.

Non-material changes (typo fixes, clarifications that do not change a substantive obligation, processor-list updates that are simultaneously reflected in the Privacy Policy) take effect immediately and are noted in the page-update history at the foot of this page.

12. Governing law and disputes

These terms are governed by Romanian law and by EU consumer-protection law where applicable. Where you reside in a different EU/EEA member state, you retain the protections of your local consumer-protection law to the extent those laws are mandatory and cannot be displaced by contract.

Before initiating formal proceedings, we ask that you contact hello@medyields.com so we can attempt to resolve the dispute by correspondence. Most issues are resolvable this way.

If correspondence does not resolve the dispute, you may bring proceedings before the courts of Romania or, at your option as a consumer, before the courts of your habitual residence in the EU/EEA. The European Commission also provides an online dispute-resolution platform at ec.europa.eu/consumers/odr, available to EU consumers.

13. Contact

For any question about these terms, or to exercise any right under them:

Email: hello@medyields.com
Post: Siret, Suceava County, 725500, Romania

MedYields is a service operated under the laws of Romania. This page will be updated when MedYields is incorporated as a Romanian Societate cu Răspundere Limitată (SRL).