Terms of Use

Effective date: October 21, 2026. Last updated: October 21, 2026.

InsulationRValues.com is owned and operated by Moving Data Systems d.o.o., Smolnik 62, 2342 Ruse, Slovenia. Editor: Marko Visic.

Welcome to InsulationRValues.com. By accessing or using the website, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the website.

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("you," "your," or "user") and Moving Data Systems d.o.o. (operator of InsulationRValues.com, "we," "us," "our," or the "Website"). By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.

2. Purpose of the Website

InsulationRValues.com provides educational information about insulation materials, R-values, building codes, and energy efficiency. The content is compiled from published primary sources (building codes, standards, manufacturer data sheets, and government and lab reports) by one author, Marko Visic, who does not install, inspect, or test insulation. The content is intended for:

• General educational purposes
• Helping homeowners understand insulation options
• Providing reference information about building codes and requirements
• Offering calculators and tools for estimation purposes

3. No Professional Advice

The information on this website is for educational purposes only and does not constitute professional advice.

Our content does not replace the advice of:

• Licensed contractors
• Building inspectors
• Energy auditors
• Architects or engineers
• Local building officials

Always consult qualified professionals before making decisions about insulation, building projects, or code compliance. Building codes vary by jurisdiction, and our general information may not apply to your specific location or situation.

4. Accuracy Disclaimer

While we strive to provide accurate and up-to-date information, we make no warranties or representations about:

• The accuracy, reliability, or completeness of any information on this website
• The suitability of any information for your specific situation
• The currentness of building code requirements (codes are updated periodically)
• Product specifications (manufacturers may change specs without notice)
• Cost estimates (prices vary by region, season, and market conditions)

Building codes and product specifications change. Always verify current requirements with your local building department and consult current manufacturer documentation before purchasing or installing insulation.

5. Calculator and Tool Limitations

Our interactive calculators and tools (R-Value Calculator, Cost Calculator, Climate Zone Map, etc.) are provided for estimation and educational purposes only. Results are:

• Based on general assumptions that may not apply to your situation
• Not a substitute for professional energy audits or engineering calculations
• Subject to change as we update our algorithms and data
• Based on national averages that may not reflect local costs or requirements

Do not rely solely on our calculators for purchasing decisions, code compliance, or project planning. Always verify results with qualified professionals.

6. User Conduct

When using our website, you agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to any part of the website
• Interfere with or disrupt the website or servers
• Transmit viruses, malware, or other harmful code
• Scrape, crawl, or collect data from the website without permission
• Use automated systems to access the website in a manner that exceeds reasonable use
• Impersonate any person or entity
• Use the website to send spam or unsolicited communications

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, calculators, code, and data compilations, is the property of Moving Data Systems d.o.o. (operator of InsulationRValues.com) or its content suppliers and is protected by Slovenian and international copyright laws.

You may:

• View and print content for personal, non-commercial use
• Share links to our pages
• Quote brief excerpts with attribution and a link to the original page

You may not:

• Reproduce, distribute, or republish substantial portions of our content
• Modify, adapt, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove any copyright or proprietary notices
• Use our calculators or tools on other websites without permission

8. Third-Party Links and Content

Our website contains links to third-party websites, including manufacturer websites, retailers, and government resources. These links are provided for your convenience and reference.

We do not:

• Control the content of third-party websites
• Endorse or guarantee the accuracy of third-party content
• Accept responsibility for any third-party website's terms, privacy practices, or content

Accessing third-party websites is at your own risk. Please review the terms and privacy policies of any third-party sites you visit.

9. Advertising and Affiliate Links

The site currently shows no advertising and has no affiliate links. Advertising or affiliate disclosures will be added here only when such a program is live. InsulationRValues.com is an independent resource and is not affiliated with any manufacturer, retailer, or installation company. See our Editorial Policy for more information.

10. Disclaimer of Warranties

THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the website will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that defects will be corrected

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MOVING DATA SYSTEMS D.O.O. (OPERATOR OF INSULATIONRVALUES.COM) SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES arising out of or related to your use of (or inability to use) this website, including but not limited to:

• Errors in content or calculations
• DIY project outcomes based on information from this website
• Building code violations or failed inspections
• Property damage or personal injury
• Financial losses from purchasing decisions
• Any third-party claims

This limitation applies regardless of the legal theory (contract, tort, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless Moving Data Systems d.o.o. (operator of InsulationRValues.com) from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of a third party
• Any content or information you provide to us

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Slovenia, the seat of the operator, Moving Data Systems d.o.o., Smolnik 62, 2342 Ruse, Slovenia, without regard to conflict of law provisions.

Any legal action or proceeding arising out of or relating to these Terms or your use of the website shall be brought before the courts of the Republic of Slovenia having jurisdiction over the operator's seat.

Nothing in these Terms affects any mandatory consumer-protection rights you have under the law of your country of residence. If you are a consumer resident in the European Union or the European Economic Area, you retain the protection of the mandatory provisions of the law of your home country, and nothing here deprives you of those rights.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, Editorial Policy, and Disclaimer, constitute the entire agreement between you and Moving Data Systems d.o.o. (operator of InsulationRValues.com) regarding your use of the website.

16. Contact Information

If you have questions about these Terms of Use, please contact the operator. I aim to reply within a few business days.

• Email: info@insulationrvalues.com
• Postal address: Moving Data Systems d.o.o., Smolnik 62, 2342 Ruse, Slovenia