Terms of Service

Educational Tool Disclaimer

TruAffordability is an educational tool only and does not constitute financial, legal, tax, or real estate advice. The calculations, scenarios, and recommendations provided are estimates based on the information you enter and general financial formulas.

You should consult with a qualified financial advisor, mortgage professional, or real estate agent before making any housing purchase decisions. We are not responsible for financial decisions made based on the output of this tool.

Accuracy

While we strive for accuracy, our calculations are approximations. Actual mortgage rates, tax rates, insurance costs, and other financial figures may differ from our estimates. Mortgage pre-approval amounts, actual loan terms, and closing costs will vary by lender and location.

Interest rates displayed may be based on national averages from the Federal Reserve (FRED) or static fallback values and may not reflect rates available to you.

Use of Service

You may use TruAffordability for personal, non-commercial purposes. You may share calculator results via the built-in share feature. You may not scrape, reproduce, or redistribute the calculator or its underlying algorithms without permission.

Affiliate Relationships

TruAffordability may contain affiliate links to mortgage lenders, insurance providers, and other financial services. If you click on an affiliate link and take action (such as applying for a mortgage), we may receive compensation. This compensation does not influence your calculator results or the recommendations displayed to you.

Limitation of Liability

TruAffordability is provided “as is” without warranties of any kind. We are not liable for any damages arising from the use of this tool, including but not limited to financial losses, missed opportunities, or reliance on calculator outputs.

Intellectual Property

All content, design, code, and algorithms that make up TruAffordability are owned by TruAffordability and protected by intellectual property laws. You may not copy, modify, distribute, or reverse-engineer any part of the application without prior written permission.

Acceptable Use

You agree not to: scrape or programmatically access the calculator; use automated tools to make bulk calculations; attempt to reverse-engineer the underlying algorithms; interfere with the service or its infrastructure; or use the tool for any illegal purpose.

Indemnification

You agree to indemnify and hold harmless TruAffordability, its owners, and affiliates from any claims, damages, or expenses arising from your use of the service, your violation of these terms, or your reliance on the calculator's output for financial decisions.

Changes

We may update these terms at any time. Continued use of the site constitutes acceptance of any changes.

Contact

Questions? Contact us at hello@truaffordability.app.