TERMS OF USE

SafeHaven 2045 ("the Platform," "we," "us") is a data visualization and educational tool designed to present probabilistic climate risk information derived from publicly available scientific datasets. The Platform aggregates and synthesizes data from the National Oceanic and Atmospheric Administration (NOAA), the National Aeronautics and Space Administration (NASA), the Federal Emergency Management Agency (FEMA), and publicly available insurance market reports. The Platform is NOT a licensed financial advisor, insurance broker, real estate professional, structural engineer, architect, or legal counsel. Nothing presented on this Platform constitutes financial advice, insurance advice, real estate advice, architectural or engineering advice, legal advice, or any other form of professional advisory service.

The "Resilience Index" (0–100) is a proprietary composite metric developed solely for educational and informational purposes. It is calculated using a weighted formula: 40% Flood/Sea Level Risk, 30% Heat Stress, 20% Insurance Availability, and 10% Local Infrastructure Investment. All projections are based on the IPCC SSP5-8.5 (Shared Socioeconomic Pathway 5, Representative Concentration Pathway 8.5) high-emissions scenario, which represents a high-reference scenario with no additional climate policy. This scenario may overestimate or underestimate actual future conditions depending on global emissions trajectories, policy interventions, and technological developments. The Resilience Index is a regional approximation and does NOT account for: (a) specific property-level characteristics such as elevation, construction type, or proximity to water bodies; (b) local zoning, building codes, or municipal adaptation investments; (c) individual property insurance policy terms; (d) microclimate variations within a ZIP code; or (e) socioeconomic factors affecting individual resilience capacity.

BY USING THIS PLATFORM, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT: (a) You assume all risk for any property purchase, sale, investment, insurance, or construction decisions made in whole or in part based on information presented by this Platform. (b) Climate projections are inherently uncertain. Actual conditions in 2045 may differ materially from projections presented herein. (c) The Platform's data is updated periodically and may not reflect the most current scientific findings, insurance market conditions, or regulatory changes. (d) ZIP code-level analysis cannot substitute for a professional property-specific climate risk assessment, which should be obtained from qualified engineers, geologists, or climate scientists before making significant property decisions. (e) You will not hold SafeHaven 2045, its operators, data providers, or affiliates liable for any losses, damages, or adverse outcomes arising from your use of or reliance upon this Platform.

The Platform draws upon the following publicly available datasets and reports: • NOAA Technical Report NOS CO-OPS 083: "Global and Regional Sea Level Rise Scenarios for the United States" (2022) • NASA Sea Level Change Portal and IPCC AR6 Sea Level Projection Tool • FEMA National Risk Index v1.20 (December 2025) — 18-hazard county-level risk assessment • NASA U.S. Climate Risk Projections by County, 2040–2049 • U.S. Senate Budget Committee: "Next to Fall: The Climate-Driven Insurance Crisis" (December 2024) • California Department of Insurance: Sustainable Insurance Strategy (2024–2025) • State Farm General Insurance Company public announcements (2023–2025) • Munich Re Natural Disaster Figures 2025 (January 2026) • Nature journal: "The growing void in the U.S. homeowners insurance market" (2025) All data is used for educational and informational purposes under fair use principles. SafeHaven 2045 does not claim ownership of any underlying government or third-party datasets.

Insurance market information presented on this Platform is derived from publicly available news reports, government filings, and industry analyses. This information: (a) May not reflect current insurance availability in your specific location or for your specific property type. (b) Does not constitute a recommendation to purchase, cancel, or modify any insurance policy. (c) Should not be used as the sole basis for insurance decisions. You should consult with a licensed insurance professional in your state before making any insurance decisions. Insurance availability, pricing, and terms vary significantly by property, location, and individual risk factors.

The Resource Center section of this Platform may contain links to third-party products and services. Some of these links may be affiliate links, meaning SafeHaven 2045 may receive compensation if you click on a link and make a purchase. The presence of an affiliate link does not constitute an endorsement, recommendation, or warranty of any product or service. You should independently evaluate any product or service before purchase. All affiliate relationships are disclosed in accordance with the Federal Trade Commission (FTC) guidelines on endorsements and testimonials (16 C.F.R. Part 255).

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAFEHAVEN 2045 AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS PLATFORM, INCLUDING BUT NOT LIMITED TO: • Property purchase or sale decisions • Insurance coverage decisions • Construction or renovation decisions • Relocation decisions • Investment decisions • Any financial losses of any kind THIS LIMITATION APPLIES REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER SAFEHAVEN 2045 WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Resilience Index formula, scoring methodology, user interface design, and original content of this Platform are the intellectual property of SafeHaven 2045. Underlying government datasets remain the property of their respective agencies and are subject to their own terms of use. You may not reproduce, distribute, or create derivative works from the Platform's proprietary methodology without express written permission.

These Terms of Use shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from your use of this Platform shall be resolved through binding arbitration in accordance with the American Arbitration Association rules. You waive any right to participate in class action litigation related to this Platform.

SafeHaven 2045 reserves the right to modify these Terms of Use at any time. Continued use of the Platform following any modification constitutes acceptance of the revised terms. The date of last revision is indicated at the bottom of this page.