Terms of Service

Last updated: May 28, 2025

1. Agreement to Terms

By accessing and using LoanHelper.ai (the "Site"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on LoanHelper.ai for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server
• Use automated tools to access, scrape, or extract data from our Site
• Perform any action that would harm or disrupt the Site's functionality

3. Financial Information and Calculations

• All calculations provided are estimates based on inputs you provide
• Actual loan terms, rates, and payments may vary significantly
• You should not rely solely on calculator results for financial decisions
• We strongly recommend consulting with a qualified financial advisor or lender
• Interest rates, fees, and loan terms change frequently and vary by lender
• We are not responsible for the accuracy of third-party rate information

4. No Financial or Legal Advice

The information on this Site is not intended to, and does not, constitute financial advice, legal advice, or professional recommendations of any kind. The Site is provided on an "as-is" basis for educational purposes only.

We do not:

• Provide personalized financial advice
• Recommend specific loans or lenders
• Offer legal guidance related to loans or mortgages
• Guarantee the accuracy of any financial information
• Accept liability for decisions made based on Site content

5. User Responsibilities

As a user of the Site, you agree to:

• Provide accurate and complete information
• Not use the Site for unlawful purposes
• Not harass, threaten, or defame any person
• Not transmit viruses or malicious code
• Respect intellectual property rights
• Not impersonate any person or entity
• Not access the Site through automated means without permission

6. Disclaimer of Warranties

The materials on LoanHelper.ai are provided on an 'as-is' basis. LoanHelper.ai makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

7. Limitation of Liability

In no event shall LoanHelper.ai or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on LoanHelper.ai, even if LoanHelper.ai or an authorized representative has been notified orally or in writing of the possibility of such damage.

8. Accuracy of Materials

The materials appearing on LoanHelper.ai could include technical, typographical, or photographic errors. LoanHelper.ai does not warrant that any of the materials on its Site are accurate, complete, or current. LoanHelper.ai may make changes to the materials contained on its Site at any time without notice.

9. Links

LoanHelper.ai has not reviewed all of the sites linked to its Site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by LoanHelper.ai of the site. Use of any such linked website is at the user's own risk.

10. Modifications

LoanHelper.ai may revise these terms of service for its Site at any time without notice. By using this Site, you are agreeing to be bound by the then current version of these terms of service.

11. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United States and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

12. Intellectual Property Rights

Unless otherwise stated, LoanHelper.ai and/or its licensors own the intellectual property rights for all material on the Site. All intellectual property rights are reserved. You may access this for your personal use subject to restrictions set in these terms and conditions.

You must not:

• Republish material from this Site
• Sell, rent, or sub-license material from the Site
• Reproduce, duplicate, or copy material from this Site for commercial purposes
• Redistribute content from LoanHelper.ai unless content is specifically made for redistribution

13. Contact Information

If you have questions about these Terms of Service, please contact us:

• Email: Victoria@flourishaihr.com
• Phone: 408-396-4061
• Website: https://loanhelper.ai