Terms of Use

1. Agreement to These Terms; How You Accept

PLEASE READ THESE TERMS CAREFULLY. THEY LIMIT OUR LIABILITY (SECTION 13) AND REQUIRE THAT MOST DISPUTES BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, AND THEY INCLUDE A CLASS-ACTION WAIVER (SECTION 15), WITH A 30-DAY RIGHT TO OPT OUT.

Who you are contracting with. These Terms are entered into between you and Matthew Spencer, an individual doing business as The Roofing Book, a sole proprietorship in Colorado, United States. You can reach us by email at [email protected] or by mail at that address. These Terms are effective as of July 21, 2026 and are posted at https://theroofingbook.com/terms/.

Our Privacy Policy describes what information we collect and who receives it. Please read it alongside these Terms; except where these Terms expressly adopt a commitment from it (as Section 9 does), it is a description of our practices rather than a set of additional contractual promises.

You accept these Terms in the following ways:

• By submitting a form. Submitting the instant-estimate form, the free cheat-sheet form, or any other form on the Site constitutes your electronic signature and your agreement to these Terms and to receiving communications and documents from us electronically.
• By making a purchase. Completing checkout for a Supplement Pack constitutes your agreement to these Terms, including the terms of sale in Sections 6 and 7.
• By using the Site. Your access to and browsing of the Site is subject to these Terms as posted. We rely on your affirmative acts — submitting a form or completing a purchase — as your acceptance of the arbitration agreement in Section 15 and the limitation of liability in Section 13; browsing alone is not how those provisions are formed.

Consent to do business electronically. When you submit a form or complete a purchase, you agree that we may deliver products, receipts, notices, and other communications to you electronically, including by email to the address you provide, and that checkboxes you tick and buttons you click constitute your electronic signature with the same effect as a handwritten signature. You may withdraw this consent by emailing us, in which case we may be unable to continue providing digital products to you.

2. Eligibility; United States Audience Only

The Site and everything sold on it are offered only to individuals who are at least 18 years old and to businesses whose representatives are at least 18 years old. By using the Site, submitting a form, or making a purchase, you represent that you are at least 18 and have the legal capacity to enter into this agreement, and, if you act for a business, that you have authority to bind that business.

The Site is directed to, and intended for use by, residents of the United States only. Our content covers United States jurisdictions, our prices are in U.S. dollars, and we do not target or market to individuals outside the United States. If you access the Site from outside the United States, you do so on your own initiative and at your own risk.

The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. See our Privacy Policy for how to contact us if you believe a child has provided us information.

3. What the Site Is

The Roofing Book provides:

• A free reference directory of roofing information: building materials and products, manufacturers, suppliers, trade organizations, and per-jurisdiction roofing permit and building-code requirements across Colorado, Texas, Kansas, Oklahoma, Missouri, and Nebraska. Our sourcing and verification approach is described on our Methodology page. Requirement entries cite the jurisdiction's own published source and show the date we verified them.
• Paid Supplement Packs — downloadable PDF documents summarizing a jurisdiction's published roofing code requirements, sold as one-time digital purchases through https://theroofingbook.com/supplements/ and governed by Sections 6 and 7 below.
• A free instant-estimate tool on certain Colorado permitting pages that produces a ballpark roof-replacement cost range and, if you choose to submit your contact information, forwards your request so that a roofing contractor can follow up with you (described in Sections 8 and 9).
• A free emailed cheat sheet available by submitting your email address.

The Site has no user accounts and no login. You do not need to register to browse it.

4. IMPORTANT: Reference Information Only — Not Legal, Professional, or Engineering Advice

Everything on the Site — including every code citation, permit requirement, inspection rule, fee, tax figure, supplier listing, and Supplement Pack — is general reference information provided for informational purposes only. It is not, and must not be treated as, legal advice, insurance advice, engineering advice, construction advice, tax advice, or any other professional advice, and no professional-client relationship of any kind is created by your use of the Site or purchase of a Supplement Pack.

• The Site is not the official version of any code, ordinance, or regulation. Our content reports and summarizes what jurisdictions have published, with citations, source links, and verification dates — but adoption status, local amendments, formatting, and effective text may differ from the official text held by the jurisdiction.
• Requirements change. Building codes, local amendments, permit thresholds, fees, and interpretations change and vary by jurisdiction, sometimes without public notice. Information that was accurate on its verification date may no longer be accurate today.
• Always verify with the authority having jurisdiction (AHJ). Before making any construction, permitting, bidding, repair, or insurance-claim decision, you must confirm current requirements directly with the local building department, permit office, or other authority having jurisdiction, or with a licensed professional.
• Insurance outcomes are not ours to promise. Whether any code item, upgrade, or supplement is covered by an insurance policy is determined by the policy and the insurer, not by this Site. We make no representation that any code citation, Supplement Pack, or other content will be accepted, approved, or paid in any insurance claim, supplement, or negotiation.
• We do not perform professional services. We do not perform code determinations for specific properties, public adjusting, claims handling, engineering evaluations, or legal services for any user.

You are solely responsible for decisions you make using the Site's content, including estimates, bids, supplements, permit applications, and repair decisions.

5. Accuracy; AS-IS; Disclaimer of Warranties

We work to keep the directory accurate: requirement entries carry citations to the jurisdiction's own published sources, source URLs, and the dates we verified them, as described on the Methodology page. Even so, errors, omissions, and out-of-date entries are possible, and we cannot and do not guarantee that any content is accurate, complete, or current at the moment you read it.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE, ITS CONTENT, THE ESTIMATE TOOL, AND ALL SUPPLEMENT PACKS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED — INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, OR CURRENCY, AND ANY WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. We do not warrant that any content will produce any particular result, including approval of any permit, claim, or supplement.

Some jurisdictions do not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to you; in those jurisdictions, our warranties are disclaimed to the maximum extent the law allows. Nothing in this section limits any non-waivable rights you have under the consumer-protection laws of your state of residence. For New Jersey residents: the disclaimers in this section apply to you only to the extent permitted by New Jersey law and are not intended to waive any right you have under the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act or other New Jersey law.

6. Supplement Packs — Terms of Sale

These terms of sale apply to every Supplement Pack purchase made through the Site.

The products. We currently offer three one-time digital purchases, described in full at https://theroofingbook.com/supplements/: the Single City Pack ($12; one PDF documenting a single jurisdiction's published roofing code requirements — at checkout you must enter the jurisdiction as "City, State"); the Denver Metro Pack ($49; a ZIP archive of 25 Denver-metro jurisdiction PDFs); and the Front Range Complete pack ($79; a ZIP archive of 48 Front Range jurisdiction PDFs). Prices are in U.S. dollars. Each PDF carries its own sourcing statement and disclaimer; Section 4 of these Terms applies to every pack.

Who you buy from — Stripe as merchant of record. Checkout occurs on a Stripe-hosted payment page. Purchases are processed under Stripe's Managed Payments service, under which Stripe (through its consumer service) is the merchant of record: Stripe collects your name, email address, and payment details on its own pages, calculates and handles applicable sales tax, and handles payment-related support, receipts, and payment disputes under its own consumer terms. We never receive or store your payment card information. We remain responsible for the product itself — its content, delivery, the license granted below, and product support — and these Terms govern that relationship between you and us.

Delivery. Supplement Packs are delivered by email to the address you provide at checkout, typically within minutes of purchase. Delivery times are estimates, not guarantees. If the jurisdiction text you enter cannot be matched automatically to exactly one available pack, if a file is temporarily unavailable, or if any other processing issue prevents automatic delivery, your order is fulfilled manually and we aim to deliver it by email within 24 hours. You are responsible for entering an accurate email address and jurisdiction; please also check your spam or junk folder. You agree that delivery of digital content begins promptly after payment. If you have not received your pack — or have received no email from us at all — within 24 hours of purchase, email [email protected] (or reply to any purchase email) with the email address you used at checkout, and we will deliver it or refund you.

Download links expire after 7 days. The download link in your delivery email is valid for 7 days from delivery. Single-city PDFs may also be attached directly to the delivery email. If your link expires before you download your files, email us at [email protected] — or simply reply to your delivery email — and we will re-send a fresh link at no charge. We recommend downloading and saving your files promptly.

Refunds. Because Supplement Packs are digital goods delivered immediately, all sales are final once delivered, except that we will refund or replace (at our option) a purchase where: (a) we failed to deliver the product; (b) the delivered file is corrupt or materially defective; (c) you made a duplicate purchase; or (d) the product is materially different from its description on the Site. To request a refund, email [email protected] within 30 days of purchase with your purchase email address and a description of the issue. Outside those categories, refunds are at our discretion — ask; at these prices we would rather make it right. Refunds are issued manually through Stripe, and Stripe, as merchant of record, may also issue refunds under its own policies, independent of ours. Any refund terminates your license to the refunded pack (Section 7) and you agree to delete your copies; note that a refund does not disable a download link already sent to you or recall a PDF already attached to an email, so we rely on you to honor that deletion obligation.

Payment disputes. Please contact us before initiating a chargeback — it is almost always faster. If you initiate a payment dispute or chargeback without first requesting a refund through the process above, you forfeit eligibility for any voluntary refund from us for that purchase, and we may decline future orders from you. Nothing in this paragraph limits any rights you have with your card issuer or with Stripe as merchant of record.

7. Supplement Packs — License and Restrictions

What you get. Your purchase buys a license, not ownership. Upon payment, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, store, print, and use the purchased Supplement Pack files for your own personal use or the internal use of your own business. This expressly includes attaching a purchased pack to a specific insurance claim, supplement, estimate, or permit application in which you or your business is a participant, and providing it in that context to the parties handling that specific matter (for example, an insurer, adjuster, or building department).

What you may not do. Except as expressly allowed above, you may not:

• resell, redistribute, republish, or sublicense any pack, in whole or in part;
• post any pack (or its contents) on any website, file-sharing service, social platform, or other public or shared location, whether free or paid;
• share pack files with other businesses, colleagues outside your own business, clients as a standalone deliverable, or the general public;
• use packs to build, train, populate, or seed a competing product, database, or service; or
• remove or alter any copyright notices, citations, or disclaimers in the files.

The license is granted to a single purchaser: one individual or one business entity. If your team or company needs broader rights, email [email protected] and we will work something out.

Termination of license. Your license ends automatically if you materially breach these restrictions or receive a refund for the purchase. The restrictions in this section survive any termination. All intellectual property rights in the packs (subject to Section 10's acknowledgment about public law and facts) remain with us.

8. Instant Estimate Tool

The instant-estimate tool on certain Colorado permitting pages produces a ballpark cost range computed in your browser from the roof details you enter and typical regional pricing assumptions. You can see your estimate without providing any contact information, and the details you enter to see it are not transmitted to us unless and until you submit the contact form.

• An estimate is not a bid, quote, or offer. It is a rough planning figure only. It assumes typical conditions (for example, solid decking in good condition) and cannot account for the actual condition of your roof. A firm price for real work can come only from a contractor's on-site inspection.
• We are not a contractor. The Site does not perform roofing work, and the estimate does not create any obligation — by us or by any contractor — to perform work at any price.
• No reliance for claims or budgeting decisions. Do not use an estimate as the basis for an insurance claim amount, loan, or contract. Section 4 and Section 5 apply fully to estimates.

If you choose to submit your contact information after viewing an estimate, Section 9 (lead sharing and communications consent) applies.

9. Lead Generation, Contractor Follow-Up, and Communications Consent

The Site is, in part, a lead-generation service. When you submit your name, phone number, and/or email address through the estimate tool, you are asking to be contacted about your roofing project. You acknowledge and agree that:

• What is submitted. Your submission includes your name, phone number and/or email address, the roof details you entered, your estimate range, your project timeline, how you plan to pay for the project (including whether an insurance claim is involved), the priority label assigned to your submission, and the page and location of the Site you submitted from.
• Who receives it. Submissions are delivered by email to the operator of the Site. From there, we may contact you ourselves and we may share your submission with one or more roofing contractors so they can follow up with you. Those contractors may include a roofing company owned by or affiliated with the operator of this Site, and may include independent roofing companies with which we have no ownership relationship. We will not share a single submission with more than three (3) contractors. We may receive compensation from a contractor who receives your information. Under some state privacy laws this sharing may be considered a "sale" or "share" of personal data; our Privacy Policy explains this in more detail. You may opt out of this sharing at any time by emailing [email protected] with the subject line "Do Not Sell or Share."
• Contractors are responsible for their own work. Any roofing company that contacts you — whether independent of us or affiliated with the operator — is responsible for its own licensure, insurance, pricing, workmanship, and conduct. We do not supervise, warrant, endorse, or guarantee any contractor's work. Any estimate, contract, or work between you and a contractor is solely between you and that contractor, and you should independently verify any contractor's license and insurance before hiring. Where the contractor is affiliated with the operator, that affiliation does not change your obligation to review and sign your own contract with that company, on its own terms.
• Communications consent (TCPA). Consent to be contacted by phone or text is given by checking the consent box presented with the estimate form. The consent disclosure reads as follows:
  "By checking this box, I provide my electronic signature and my prior express written consent to receive marketing and informational calls and text messages about my roofing project — including calls and texts made using an automatic telephone dialing system or an artificial, prerecorded, or AI-generated voice — from The Roofing Book at the telephone number I provided. Consent is not a condition of any purchase. Message frequency varies; message and data rates may apply. Wireless carriers are not liable for delayed or undelivered messages. I can revoke consent at any time, including by replying STOP to any text or emailing [email protected]; reply HELP for help. I have read the Privacy Policy and the Terms of Use."
  Because that disclosure names The Roofing Book only, it is not consent for calls or texts from any contractor; before a contractor receives your submission we will present a new disclosure naming the specific contractors and collect fresh consent. We record which version of the disclosure you agreed to, with the timestamp of your submission. If the consent box you were actually shown did not contain that language, we do not treat your submission as prior express written consent for autodialed, prerecorded, or artificial-voice marketing calls or texts, and you should not receive any; tell us if you do. Consent is never a condition of purchasing anything.
• You can revoke consent at any time, by any reasonable means — including replying "STOP" to a text message, telling a caller to stop, or emailing [email protected]. We will honor your revocation within ten (10) business days of receipt, and within five (5) business days we will make reasonable efforts to identify, from our email records, each contractor to whom we sent your information and forward your revocation to them. After you revoke, you may receive a single message confirming your opt-out, with no marketing content. Revoking consent with us does not by itself bind a contractor you have separately engaged.

Newsletter and cheat sheet. The optional newsletter checkbox and the free cheat-sheet form add you to our email list only if you affirmatively opt in. Our list is small and is currently maintained manually. You can unsubscribe at any time by replying "unsubscribe" to any of our emails or by emailing [email protected]; we record the request and will stop sending you marketing email within seven (7) days. Transactional emails (such as purchase delivery or a confirmation of a form you submitted) are sent as needed to complete what you asked for. Every marketing email we send will identify us and include our postal mailing address.

Accurate submissions only. You agree to submit only your own contact information (or information you are authorized to submit), and that it is accurate. Do not submit another person's phone number or email address without their permission.

10. Intellectual Property; Your License to Use the Site

Our content. The Site — including its original text, explanations, summaries, page designs, and the selection, coordination, and arrangement of its compiled directory data — is owned by us and protected by United States copyright and other intellectual-property laws. © 2026 The Roofing Book. All rights reserved.

What we do not claim. We do not claim ownership of the law itself or of bare facts. Statutes, ordinances, and other government-published texts we quote or cite remain public materials of their issuing jurisdictions, and individual facts (a code section number, a permit fee, a supplier's address) are not ours. What we protect is our original expression and our compilation — the work of finding, verifying, organizing, and presenting it.

Your license to browse. We grant you a limited, revocable, non-exclusive license to access the Site and to view, download, and print individual pages for your own personal use or the internal use of your own business. This license does not permit republication, redistribution, bulk extraction, or commercial exploitation of Site content, and it does not transfer any ownership to you.

Trademarks. "The Roofing Book" and the Site's logos and trade dress may not be used without our prior written permission. Third-party names and marks appearing in the directory belong to their respective owners; their appearance does not imply affiliation or endorsement.

Infringement complaints. If you believe content on the Site infringes your copyright, email [email protected] (or write to our mailing address in Section 20) with: identification of the copyrighted work; identification of the material and its location on the Site; your name, address, telephone number, and email address; a statement of your good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and your physical or electronic signature. We will review and respond.

11. Acceptable Use

You agree that you will not, and will not help or permit anyone else to:

• scrape, harvest, spider, or bulk-download Site content or data for republication, resale, redistribution, or use in a competing product or dataset (ordinary search-engine indexing and individual personal/internal-business use per Section 10 are fine);
• interfere with the Site's operation — including probing, overloading, or disrupting the Site or its infrastructure, or submitting automated or high-volume requests that degrade service for others;
• circumvent technical controls, including tampering with, forging, or brute-forcing signed download links or accessing files you have not purchased;
• misrepresent yourself — including submitting false contact information, impersonating any person or business, submitting another person's information without authority, or misrepresenting any affiliation with us;
• abuse the forms, including spam submissions or automated form filling; or
• use the Site for any purpose that is unlawful or that violates these Terms.

We may block, throttle, or refuse service to any user or system that we reasonably believe violates this section, without notice, in addition to any other remedy available to us.

12. Third-Party Websites and Services

The Site links to third-party websites and services we do not control — including jurisdictions' official code publications and permit portals, manufacturer and supplier websites, and the Stripe-hosted checkout pages where purchases occur. Those sites have their own terms and privacy policies, which govern your use of them. We provide these links as an information service only; we are not responsible for the content, accuracy, availability, or practices of any third-party site, and a link does not imply endorsement.

We also rely on third-party service providers to operate the Site — Stripe (payments, as merchant of record), Resend (transactional email delivery), and Cloudflare (hosting, content delivery, and file storage). Their roles in handling your information are described in our Privacy Policy. We are not liable for failures of third-party services beyond our reasonable control, including delayed or undelivered email or text messages; wireless carriers are not liable for delayed or undelivered messages (this disclosure also appears with the SMS consent language in Section 9, where it is given at the point of consent).

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THE SITE, ITS CONTENT, ANY SUPPLEMENT PACK, THE ESTIMATE TOOL, OR ANY CONTRACTOR REFERRAL — including without limitation lost profits or revenue, denied, delayed, or underpaid insurance claims or supplements, failed permit applications, code-violation fines or penalties, rework or repair costs, business interruption, or loss of data — regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we were advised of the possibility of such damages.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE TOTAL PURCHASE PRICE OF THE PRODUCTS GIVING RISE TO THE CLAIM — WHETHER THAT PRICE WAS PAID TO US OR TO OUR PAYMENT PROCESSOR AS MERCHANT OF RECORD — PURCHASED IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

What this section does not do. The exclusions and the cap in this section do not apply to: (i) statutory damages, statutory penalties, or statutory fee awards under any statute whose remedies cannot lawfully be waived or limited by contract, including the Telephone Consumer Protection Act and its state-law counterparts, state consumer-protection and unfair-practices statutes, and state privacy statutes; (ii) liability for fraud, willful misconduct, or gross negligence; or (iii) any other liability that cannot be excluded or limited under applicable law. Nothing in these Terms waives any non-waivable right you have under the consumer-protection laws of your state of residence. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you; in those jurisdictions our liability is limited to the maximum extent permitted by law. For New Jersey residents: the exclusions and limitations in this section and in Sections 5 and 14 apply to you only to the extent they are permitted by New Jersey law, and they are not intended to waive any right you have under the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act or other New Jersey law.

You agree that the limitations in this section are a reasonable allocation of risk given that the Site is free to browse and Supplement Packs cost between $12 and $79, and that they are an essential basis of the bargain between you and us.

14. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold us harmless from and against any third-party claims, damages, liabilities, costs, and reasonable attorneys' fees arising out of or relating to: (a) your breach of these Terms, including the license restrictions in Sections 7 and 10 and the acceptable-use rules in Section 11; (b) your use of Site content or Supplement Packs outside the scope of the license granted in Section 7 or Section 10; (c) information you submit through the Site, including contact information you were not authorized to submit; or (d) your violation of any law or of any third party's rights.

This obligation does not apply to any claim to the extent it is caused by our own negligence, willful misconduct, or breach of these Terms, including any claim that our content was inaccurate. Using a Supplement Pack as Section 7 expressly permits — for example, attaching it to your own insurance claim, supplement, estimate, or permit application — is licensed use and does not trigger this section. Nothing in this section requires you to indemnify us for anything that cannot be indemnified under the law of your state of residence; for New Jersey residents, this section applies only to the extent permitted by New Jersey law and is not intended to waive any right under the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act.

We reserve the right, at our expense, to assume the exclusive defense of any matter subject to indemnification, in which case you agree to cooperate with us.

15. DISPUTE RESOLUTION — BINDING INDIVIDUAL ARBITRATION AND CLASS-ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND US TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION, WAIVES THE RIGHT TO PARTICIPATE IN A CLASS ACTION, AND GIVES YOU A 30-DAY RIGHT TO OPT OUT.

(a) Informal resolution first (required). Before either of us may start an arbitration or lawsuit, the party with the dispute must send the other a written notice describing the dispute and the relief sought — to us either by email to [email protected] or, once we publish a postal address in Section 20, by mail to that address, at your choice; to you, at the email or mailing address you provided. For 60 days after the notice, you and we agree to try in good faith to resolve the dispute informally. Most issues — a missing download, a refund, an unwanted contact — can be fixed this way in days. The 60-day period tolls any applicable statute of limitations. If we do not respond to your notice within 30 days, this informal-resolution requirement is satisfied and you may proceed.

(b) Agreement to arbitrate. If we cannot resolve a dispute informally, you and we each agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, any Supplement Pack purchase, the estimate tool, any lead sharing, or any communications you receive as a result of using the Site — including any question of whether a dispute is subject to this arbitration agreement — will be resolved by binding arbitration on an individual basis, rather than in court, except as provided in subsections (c), (d), and (e). This agreement is mutual: it binds us the same way it binds you. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, including, where applicable, its Mass Arbitration Supplementary Rules, each as in effect when the arbitration is filed. If the AAA is unavailable or declines to administer the arbitration for any reason, the parties will agree on an alternative consumer arbitration administrator; if they cannot agree, either party may ask a court of competent jurisdiction to appoint an arbitrator under 9 U.S.C. § 5, or may proceed in court. Arbitration will be conducted by a single arbitrator, in English, and — at your election — by videoconference, on written submissions, or in person in the county where you reside. Payment of filing, administrative, and arbitrator fees will be governed by the administrator's consumer rules and fee schedules. The arbitrator may award the same individual relief a court could award, and the arbitrator's award may be entered in any court of competent jurisdiction. This arbitration agreement is governed by the Federal Arbitration Act.

(c) Small-claims carve-out. Either you or we may instead bring an individual claim in small claims court in a court of competent jurisdiction — for you, the small claims court where you live — so long as the claim stays in that court and proceeds only on an individual basis.

(d) Injunctive-relief carve-out. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement or misuse of intellectual property (including violations of Sections 7, 10, and 11), without first arbitrating.

(e) Class-action waiver; who decides its enforceability. You and we each waive the right to participate in a class action, class arbitration, consolidated action, or representative proceeding. The arbitrator may award relief only to the individual party seeking it and only to the extent necessary to resolve that party's individual claim, and may not consolidate or join the claims of other persons. Notwithstanding the delegation in subsection (b), the enforceability of this class-action waiver is to be decided by a court, not by an arbitrator. If a court finds this waiver unenforceable as to a particular claim, then this entire arbitration agreement does not apply to that claim, which will instead proceed in court under Section 16 — this sentence is not severable from the rest of this subsection (e).

(f) Jury trial. In any arbitration, there is no jury. If this arbitration agreement does not apply to a claim — because you opted out under subsection (g), because the class-action waiver is found unenforceable, or for any other reason — then no jury-trial waiver applies to that claim either, and you retain whatever right to a jury trial the law gives you. Pre-dispute contractual jury waivers are unenforceable in some states in any event.

(g) Coordinated (mass) filings. If 25 or more similar demands for arbitration are filed against us by claimants represented by the same or coordinated counsel, the arbitrations will be administered under the AAA's Mass Arbitration Supplementary Rules (or the administrator's equivalent rules), including any staging or batching procedures those rules provide. Nothing in this subsection alters any claimant's right to an individual, bilateral arbitration of their own claim, limits the relief available to any individual claimant, or makes the outcome of any one arbitration binding on any other claimant.

(h) Your right to opt out. You may reject this arbitration agreement (subsections (b) through (g)) entirely, with no penalty and no effect on any other part of these Terms, by emailing [email protected] with the subject line "Arbitration Opt-Out," together with your name and the email address you used on the Site. Your 30-day window runs from the first of these that applies to you: (i) if you purchased, the date and time of your checkout acceptance recorded by Stripe; or (ii) if you submitted a form, the date and time of that submission as recorded by us. If both apply, the later date controls. If we hold no record of your acceptance, the 30-day window has not begun and you may opt out at any time before a dispute between us arises. We will confirm your opt-out by reply email. If you opt out, disputes will be resolved in court under Section 16, and neither of us may compel the other to arbitrate.

(i) Contractors who receive your lead. A roofing contractor to whom we send your information under Section 9 is an intended third-party beneficiary of this Section 15 with respect to claims arising out of contact made as a result of a lead sourced through the Site, and may invoke it on the same terms it applies to us — including your right to opt out under subsection (h).

(j) Severability and survival. Except as stated in subsection (e), if any part of this Section 15 is found unenforceable, the remainder remains in effect. This Section 15 survives any termination of these Terms and any completed purchase.

16. Governing Law and Venue

These Terms and any dispute arising out of them or the Site are governed by the laws of the State of Colorado and applicable United States federal law, without regard to conflict-of-laws principles — except that (a) the Federal Arbitration Act governs Section 15, and (b) if you are a consumer, nothing in this section deprives you of the protection of mandatory consumer-protection laws of your state of residence that cannot be waived by contract.

For any claim that is not subject to arbitration under Section 15 — including if you opt out under Section 15(h) — and that is not brought in small claims court, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Denver, Colorado, and each waive any objection to venue there, except to the extent the law of your state of residence guarantees you a different forum for consumer claims.

17. Termination and Suspension

You may stop using the Site at any time. We may — with or without notice — suspend or terminate your access to the Site, refuse to accept form submissions or orders, revoke licenses granted under Sections 7 and 10, and decline future service, if we reasonably believe you have violated these Terms or applicable law, or to protect the Site, its data, our users, or ourselves. Termination does not entitle you to a refund except as provided in Section 6.

Sections that by their nature should survive termination do survive, including Sections 4, 5, 6 (payment, refund, and license-termination obligations), 7 (license restrictions), 9 (revocation and opt-out commitments), 10, 11, 13, 14, 15, 16, and 19.

18. Changes to These Terms

We may revise these Terms from time to time — for example, when we add products or features, or when the law changes. When we do, we will post the revised Terms at https://theroofingbook.com/terms/, update the effective date, and keep prior versions available on request by email.

Changes apply prospectively only: each purchase is governed by the version of these Terms in effect when you complete that purchase, and no change to Section 15 (dispute resolution) applies to a dispute that arose before the change took effect.

Material changes require fresh agreement. For material changes — including any change to Section 15 (dispute resolution), Section 13 (limitation of liability), or the terms of sale in Sections 6 and 7 — we will require your fresh affirmative agreement (for example, an acceptance checkbox at your next form submission or checkout, and, where we have your email address and you have not unsubscribed, an email notice) before the revised terms apply to you. Until you give that agreement, the version you previously accepted continues to govern your relationship with us.

For non-material changes, your continued use of the Site after revised Terms are posted constitutes your acceptance of them to the extent permitted by law. If you do not agree to a revision, stop using the Site.

19. General Terms

Entire agreement. These Terms, together with any product descriptions on the Site incorporated at the time of your purchase, are the entire agreement between you and us regarding the Site and supersede any prior understandings on that subject. Our Privacy Policy describes our data practices and should be read alongside these Terms; except where these Terms expressly adopt a commitment from it, it is a description of our practices rather than a separate set of contractual promises. Stripe's own consumer and purchase terms separately govern your payment relationship with Stripe as merchant of record.

Severability. Except as stated in Section 15(e), if any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force.

No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later. Any waiver must be in writing.

Assignment. You may not assign or transfer these Terms or any license granted under them without our prior written consent. We may assign these Terms in connection with a sale, transfer, or reorganization of the business, and they will bind and benefit any permitted successors.

Force majeure. We are not liable for delay or failure to perform caused by events beyond our reasonable control, including outages of third-party hosting, email, or payment services.

Headings and interpretation. Section headings are for convenience only. "Including" means "including without limitation."

20. Contact

The Roofing Book is operated as a sole proprietorship by Matthew Spencer, an individual doing business in Colorado, United States.

Email: [email protected]
Postal address: we do not have one to publish yet. We are obtaining a USPS PO Box and will list it here and in the footer of every marketing email; until then we do not send marketing email at all.

Write to us by email about these Terms, purchases, delivery, refunds, re-sent download links, communications opt-outs, "Do Not Sell or Share" requests, or anything else on the Site. This is a one-person business; we read every message and aim to respond promptly. For questions about your personal information, see our Privacy Policy, which uses the same contact details.