Terms of Service

Last updated: June 21, 2026

Welcome to HomeWiseCalc. By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree, please do not use the site.

1. Use of Our Website

HomeWiseCalc provides free financial calculators and educational content for personal, non-commercial use. You agree to use the site lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to any part of it.

2. No Professional Advice

All tools and content are provided for informational and educational purposes only. HomeWiseCalc is not a lender, broker, or licensed financial advisor. Nothing on this site constitutes financial, lending, tax, or legal advice. Always consult a qualified professional before making financial decisions.

3. Accuracy of Information

Our calculators use standard financial formulas to produce estimates. While we strive for accuracy, we make no guarantee that results are error-free or reflect the actual terms you will receive from any lender. Results depend entirely on the data you enter.

4. Intellectual Property

All content on this site — including text, design, logos, and code — is the property of HomeWiseCalc and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

5. Third-Party Links and Advertising

Our site may contain links to third-party websites and displays advertising through services such as Google AdSense. We are not responsible for the content, policies, or practices of third-party sites and advertisers.

6. Limitation of Liability

To the fullest extent permitted by law, HomeWiseCalc and its team shall not be liable for any damages arising from your use of, or inability to use, this website or its tools, including any financial decisions made based on the estimates provided.

7. Disclaimer of Warranties

This website is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to accuracy, reliability, or fitness for a particular purpose.

8. Changes to These Terms

We may revise these Terms at any time. Continued use of the site after changes constitutes acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the United States, without regard to conflict-of-law principles.

10. Contact

For questions about these Terms, please use our Contact page.