Effective Date: [01.03.2024]
1. Acceptance of Terms
By accessing HELOCpaymentCalculator.org (“Site”), you agree to:
- Comply with all terms and conditions herein
- Acknowledge our Privacy Policy
- Use all tools solely for personal, non-commercial purposes
Prohibited Actions:
- Scraping or automated queries without permission
- Misrepresenting calculator results as professional financial advice
2. Calculator Tools
A. Intended Use
Our HELOC payment calculators provide estimates only. You should:
- Verify results with licensed mortgage professionals
- Input accurate loan details for valid calculations
- Understand that variable rates may affect accuracy over time
B. Limitations
We disclaim liability for:
- Financial decisions based on our calculations
- Errors resulting from outdated interest rate data
- Browser-specific calculation discrepancies
3. Intellectual Property
| Content Type | Permitted Use | Restrictions |
|---|---|---|
| Calculator tools | Personal/educational use | No white-labeling |
| Articles & guides | Sharing with attribution | No derivative works |
4. User-Generated Content
If you submit comments or questions:
- You retain ownership of your content
- Grant us a non-exclusive license to display and respond publicly
- May not post confidential or illegal material
5. Termination
We may suspend access for:
- Violations of these terms
- Suspicious activity (e.g., brute-force attacks)
- Excessive bandwidth consumption
6. Disclaimers
Financial Content
“Our tools don’t constitute mortgage advice. Consult a loan officer for personalized guidance.”
Accuracy
“While we strive for precision, we don’t guarantee error-free calculations.”
7. Governing Law
These terms are governed by laws of International Countries. Any disputes must be filed in International Courts.
8. Changes to Terms
We will notify users of material changes via:
- Site banners (displayed for 30 days)
- Email notifications (for registered users)