Terms of Service

Acceptance of terms

By using HomeValueTools, you agree to these terms. If you don't agree, please don't use the site.

Educational use only — not advice

All calculators, results, articles, and other content on this site are provided for general educational and informational purposes only. They are not financial, investment, legal, tax, lending, or real estate advice, and they are not offers, quotes, or pre-approvals. Results are simplified estimates based on the numbers and assumptions you enter; your actual costs, rates, taxes, and eligibility will differ. Always verify figures with qualified professionals — a licensed lender, accountant, attorney, or advisor — before making financial decisions.

No warranty

The site and its content are provided “as is” without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. While we work to keep formulas and content correct, errors can occur and figures can become outdated.

Limitation of liability

To the maximum extent permitted by law, HomeValueTools and its operators are not liable for any loss or damage arising from your use of, or reliance on, this site or its results, including financial decisions made based on calculator outputs.

Intellectual property

The site's content, design, and code are owned by HomeValueTools or its licensors. You may use the calculators freely for personal purposes; you may not scrape, republish, or resell the content without permission.

Acceptable use

You agree not to misuse the site, interfere with its operation, or attempt to access it by automated means at disruptive volumes.

Changes

We may update these terms or any part of the site at any time. Continued use after changes means you accept the revised terms.

Contact

Questions about these terms? Reach us via the contact page.