Terms of Service

Last Updated: October 2026 | Effective Date: October 2026

1. Acceptance of Terms

By browsing, accessing, or using Home & Car Calc (homeandcarcalc.com), you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy. If you do not accept these terms in full, please discontinue usage of this website immediately.

2. Educational & General Planning Scope

All calculations, mathematical projections, formulas, and educational articles provided on Home & Car Calc are intended strictly for educational, illustrative, and personal planning purposes. The mathematical outputs produced by our calculators do not constitute formal mortgage approval, binding financing quotes, real estate appraisals, or certified tax advice. Real estate financing, insurance coverage, and automotive lending require individual verification with licensed professional originators.

3. User Responsibility & Data Verification

Financial markets, interest rate cycles, municipal property tax equalization ratios, and vehicle residual values fluctuate continuously. While we strive to maintain rigorous mathematical formulas based on accepted financial principles, users bear sole responsibility for verifying all calculations with independent third-party documents before executing real estate purchases, mortgage agreements, or vehicle leases.

4. Intellectual Property & Permitted Use

The code, website architecture, branding, educational guides, and custom user interface designs of Home & Car Calc are protected under international copyright and intellectual property statutes. Users are granted a limited, revocable, non-exclusive license to use the tools for personal and internal business planning. Scraping, redistributing, or reverse engineering the underlying source code for commercial redistribution is strictly prohibited.

5. Prohibited Conduct and System Integrity

You agree not to use automated scripts, scrapers, crawlers, or robotic systems to overwhelm, disrupt, or extract mass data from the website. You further agree not to frame, mirror, or repackage our calculation engines within third-party commercial portals without explicit written consent from the site operator. Violations of system integrity may result in automated IP access restrictions.

6. Warranty Disclaimers & Limitation of Liability

Home & Car Calc is provided on an "as-is" and "as-available" basis without representations or warranties of any kind, whether express, implied, or statutory. In no event shall the developer, site operators, or affiliated parties be held liable for any direct, indirect, incidental, consequential, or financial damages resulting from reliance on calculation estimates or information on this website.

7. Severability and Governing Law

If any provision of these Terms of Service is determined to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.