Terms and Conditions

1. Acceptance of Terms

Welcome to HomeFi.online. By accessing and using this website, you agree to comply with and be bound by the following terms and conditions. If you do not agree to these terms, please refrain from using our tools and services.

2. No Financial, Legal, or Engineering Advice

The content and tools provided on HomeFi (including but not limited to mortgage calculators, tax estimators, and electrical wire gauge tools) are for informational and educational purposes only.

The results generated by our calculators are estimates based on mathematical models and industry averages. They do not constitute professional financial advice, legal counsel, or certified engineering specifications. Users are strongly advised to consult with a licensed professional (e.g., mortgage broker, legal advisor, certified electrician, or structural engineer) before making any decisions that involve financial risk or physical property safety.

3. Accuracy of Calculations

While HomeFi makes every effort to ensure the accuracy of the formulas and data used in our tools, we cannot guarantee that the results will be 100% accurate or reflective of your specific local jurisdiction, bank policies, or project conditions. Market variables, tax laws, and building codes change frequently. HomeFi is not liable for any errors, omissions, or losses resulting from the use of its tools.

4. Intellectual Property

Unless otherwise stated, HomeFi and/or its licensors own the intellectual property rights for all software, layout design, and technical content on this website. You may use our tools for personal use, but you may not republish, sell, rent, or sub-license our tool logic or code for commercial gain without explicit written consent.

5. Prohibited Use

You agree not to use HomeFi.online in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website. Automation, web-scraping, or "botting" our calculators to extract data is strictly prohibited.

6. Limitation of Liability

To the maximum extent permitted by applicable law, HomeFi shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our services, including but not limited to financial loss, property damage, or safety incidents involving home improvement projects.

7. Governing Law

These terms are governed by and construed in accordance with the laws of the jurisdiction in which the website operator resides, and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

8. Modifications to Service

We reserve the right to modify or discontinue any tool or feature on HomeFi without prior notice. We also reserve the right to update these terms at any time. Continued use of the site after changes constitute acceptance of the new terms.