Terms & Conditions
Last Updated: June 18, 2026. General terms of use for our financial planning models.
1. General Overview
By accessing the Mortgage Intelligence Platform (the "Platform"), you agree to follow and be bound by these Terms & Conditions. The Platform is owned and operated as a free, public financial education utility.
2. Educational and Planning Disclaimer
⚠️ IMPORTANT FINANCIAL DISCLOSURE: The calculations, estimations, chart representations, and advisory text reports generated by the Platform are provided for educational and illustrative purposes only. They do not constitute formal lending offers, certified financial plans, official credit underwriting decisions, or legally binding mortgage agreements.
Mortgage interest rates, program rules, tax codes, and lender pricing adjustments shift constantly based on macroeconomic market changes and individual credit profiles. Users should always cross-verify all outputs and consult with a licensed mortgage broker, certified financial planner (CFP), or underwriter before committing to home purchases or refinancing agreements.
3. Intellectual Property and Open Source Usage
The layout, design tokens, mathematical equations, reactive chart components, and custom branding assets are protected under standard copyrights. You are granted a limited, personal, non-transferable license to access the site and download individual PDF planning dossiers for personal use. Copying, republishing, or commercially licensing the math engines or layouts without explicit permission is prohibited.
4. Limitation of Liability
In no event shall the Platform, its developers, or affiliates be held liable for any damages (including, without limitation, damages for loss of capital, business interruption, or financial planning errors) arising out of the use or inability to use the mathematical models on the website.