Please read these terms carefully. They explain what you can expect from equitywayfinder.com and what we expect from you. The Site offers general information only; it is not a lender or mortgage broker and does not provide financial advice.
1. Agreement to these terms
equitywayfinder.com (the "Site") is operated by [COMPANY LEGAL NAME] ("EquityWayfinder," "we," "us" or "our"). These Terms of Use ("Terms") apply to everyone who visits or uses the Site. By using the Site, you agree to these Terms and to our Privacy Policy. If you don't agree, please don't use the Site.
2. We are not a lender or broker
EquityWayfinder is an informational resource about home equity options, including home equity lines of credit (HELOCs), home equity loans and cash-out refinancing. We do not:
- Make loans, extend credit or make credit decisions
- Act as a mortgage broker, loan originator or agent of any lender
- Appraise property or estimate the value of your home
- Charge you a fee to use the Site
Any loan terms, rates, fees and eligibility requirements are set solely by the lender you choose to work with. Home equity products are secured by your home, and you could lose your home if you don't make your payments. Before you borrow, review the lender's full disclosures carefully and consider speaking with a HUD-approved housing counselor or another qualified professional.
3. Eligibility
You must be at least 18 years old, or the age of majority where you live, to use the Site. By using it, you confirm that you meet this requirement.
4. Information on the Site
Our guides, comparisons and examples are for general educational purposes only. They are not financial, legal, tax or real estate advice and are not tailored to your situation. Rates, lending rules, tax treatment and product features change and vary by state and lender, so some information may be incomplete or out of date. Please confirm important details directly with the lender and, where appropriate, speak with a qualified professional before making a financial decision.
We may correct errors, inaccuracies or omissions and update content at any time without notice, but we have no obligation to do so except as required by law.
5. Acceptable use
You agree to use the Site only for lawful purposes. You must not:
- Break any applicable law or regulation, or encourage others to do so
- Upload or transmit viruses, malware or any other harmful code
- Try to gain unauthorized access to the Site, its servers or related systems
- Scrape, crawl or harvest content or data from the Site using automated means without our written permission
- Interfere with or disrupt the Site's security or performance
- Impersonate any person or organization, or misrepresent your affiliation with them
- Send spam, harassing, abusive, defamatory or unlawful messages through the Site
- Copy, resell or exploit any part of the Site for commercial purposes without our written permission
We may suspend or block access to the Site for anyone who violates these rules.
6. Intellectual property
The Site and its content, including text, graphics, logos and design, are owned by EquityWayfinder or its licensors and are protected by copyright, trademark and other laws. You may view and print pages for your own personal, non-commercial use. Any other use requires our prior written permission.
7. Messages and feedback
When you send us a message, suggestion or other feedback, you confirm that it is accurate, that you have the right to share it and that it doesn't violate anyone's rights. You agree that we may use ideas and suggestions you send us to improve the Site, without any obligation to you. Personal information in your messages is handled under our Privacy Policy.
8. Third-party sites and offers
The Site may contain links to websites, products or services operated by third parties, including lenders, banks, credit unions and housing resources. We don't control and aren't responsible for their content, terms, privacy practices, products or services. Any agreement you make with a third party is solely between you and that third party. We may receive compensation from some third parties we link to, [describe any advertising or affiliate relationships here, or remove this sentence].
9. Privacy
Our Privacy Policy explains how we collect, use and protect your personal information, and is part of these Terms.
10. Changes to the Site
We may change, suspend or discontinue any part of the Site at any time, without notice. We aren't liable to you or anyone else for any such change, suspension or discontinuation.
11. Disclaimer of warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, secure or error-free, or that any information on it is complete or current.
12. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, EQUITYWAYFINDER AND ITS OWNERS, EMPLOYEES, AGENTS AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY THIRD-PARTY PRODUCT OR SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total liability for any claim relating to the Site will not exceed one hundred U.S. dollars (US$100). Some jurisdictions don't allow certain limitations of liability, so some of these limits may not apply to you.
13. Indemnification
You agree to defend, indemnify and hold harmless EquityWayfinder and its owners, employees, agents and service providers from any claims, losses, damages and expenses, including reasonable attorneys' fees, that arise from your breach of these Terms or your violation of any law or the rights of a third party.
14. Termination
These Terms apply until ended by you or us. You can end them at any time by no longer using the Site. We may end them, or suspend your access to the Site, at any time and without notice if we believe you have breached these Terms. Sections that by their nature should survive, including those on intellectual property, disclaimers, limitation of liability, indemnification and governing law, will survive termination.
15. Governing law
These Terms are governed by the laws of [STATE/COUNTRY], without regard to its conflict-of-law rules. Any dispute arising from these Terms or the Site will be brought exclusively in the courts located in [CITY, STATE/COUNTRY], and you consent to their jurisdiction.
16. General terms
- Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and us about the Site.
- Severability. If any part of these Terms is found unenforceable, it will be limited to the minimum extent necessary and the rest will remain in effect.
- No waiver. Our failure to enforce any right or provision is not a waiver of that right or provision.
- Assignment. We may transfer our rights and obligations under these Terms. You may not transfer yours without our written consent.
- Headings. Section headings are for convenience only and do not affect how these Terms are interpreted.
17. Changes to these terms
We may update these Terms from time to time. When we do, we'll post the new version on this page and update the effective date above. Your continued use of the Site after changes are posted means you accept the updated Terms, so please check this page periodically.
18. Contact us
Questions about these Terms? Contact us at:
[COMPANY LEGAL NAME]
[BUSINESS ADDRESS]
Email: support@equitywayfinder.com