Terms of Service

Welcome to FORHOMELY. These Terms of Service (“Terms”) govern your access to and use of https://forhomely.com and every calculator, article, and tool we publish there. By browsing the site, running a calculation, or reading an article, you agree to these Terms. If you do not agree with them, please stop using the site. Our data practices are described separately in our Privacy Policy.

1. Educational Purpose — Not Professional Advice

Everything on FORHOMELY — the calculators, the guides, the worked examples — is published for informational and educational purposes only. Nothing on this site is financial, investment, tax, legal, mortgage, or lending advice, and nothing here creates an advisor, agent, fiduciary, or lender-borrower relationship between you and us. We are not a lender, broker, appraiser, CPA, attorney, or licensed financial professional.

The outputs of our calculators are estimates built on the assumptions you enter and on simplified, publicly documented formulas. They will not match any specific lender’s pricing, underwriting decision, or program rules. Before you buy a property, sign a loan, file taxes, or make any financial decision, verify every figure with licensed professionals who know your full situation.

2. Who May Use the Site

You must be at least 18 years old to use FORHOMELY. The site is directed at adults in the United States; loan programs, tax rules, and landlord-tenant law vary by country and state, and our content focuses on U.S. rules. We do not knowingly collect information from children under 13.

3. Acceptable Use

When using FORHOMELY, you agree that you will not:

• Interfere with, overload, or attempt to gain unauthorized access to the site, its hosting infrastructure, or related systems;
• Scrape, harvest, or bulk-download content in a way that degrades service for other visitors;
• Misrepresent calculator outputs as professional appraisals, lender pre-approvals, or underwriting decisions;
• Use the site for any unlawful purpose or in violation of any applicable law or regulation.

We reserve the right to restrict access to the site if we reasonably believe these Terms have been violated.

4. Intellectual Property

The articles, calculators, code, design, and branding on https://forhomely.com are owned by FORHOMELY or licensed to us. You are welcome to quote brief excerpts with attribution and a link back to the original page — for a school paper, a forum answer, a client email, that’s fine. Republishing substantial portions of the site, or presenting our content as your own, requires our written permission.

5. Calculators Are Provided “As Is”

Our calculators run entirely in your browser: the numbers you enter are not transmitted to or stored on our servers. We work hard to keep every formula correct and every default assumption current, but we provide all tools and content “as is” and “as available,” without warranties of any kind, express or implied — including merchantability, fitness for a particular purpose, and accuracy. PMI/MIP estimates, tax assumptions, rate defaults, and loan limits can change quickly, and this site may not always reflect the latest figures.

6. Advertising and Third-Party Content

FORHOMELY is a free resource supported by advertising. We display ads through Google AdSense; Google and its partners may use cookies to serve ads based on your visits to this and other websites, as described in our Privacy Policy. We do not control which specific ads appear, and the presence of an advertisement is not an endorsement of the advertiser or its products. Where we name lenders, software platforms, or service providers in editorial content, that coverage reflects our independent research and is not paid placement.

The site may link to third-party websites for reference. We have no control over those sites and are not responsible for their content, accuracy, or practices.

7. Limitation of Liability

To the maximum extent permitted by law, FORHOMELY, its owner, and its contributors will not be liable for any direct, indirect, incidental, special, or consequential damages — including lost profits, lost savings, or lost investment opportunities — arising from your use of, or reliance on, the site, its calculators, or its content. You use the site at your own risk, and you remain responsible for verifying anything you read here before acting on it.

8. Indemnification

You agree to indemnify and hold harmless FORHOMELY and its owner from any claims, damages, or expenses (including reasonable attorneys’ fees) arising from your violation of these Terms or your misuse of the site.

9. Changes to the Site and These Terms

We may update, correct, add to, or remove content and calculators at any time, and we may revise these Terms as the site evolves. The “Last updated” date at the top of this page reflects the current version, and continuing to use the site after a change means you accept the revised Terms. Material changes to how we handle your data are described in the Privacy Policy.

10. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles. Any dispute arising from your use of the site will be resolved in the state or federal courts located in New York.

11. Contact

Questions about these Terms? Email hello@forhomely.com or use our contact page. We aim to reply within two business days.