Legal

Terms of Service

Last updated: July 2026

Summary: The Home Equity Calculator is a free, educational tool offered "as is." By using it you accept these terms, agree it is not professional advice, and agree we are not liable for decisions you make based on its estimates.

1. Acceptance of terms

By accessing or using The Home Equity Calculator (the "Site"), you agree to be bound by these Terms of Service and by our Privacy Policy and Disclaimer, which are incorporated here by reference. If you do not agree with any part of these terms, please do not use the Site. We may update these terms from time to time, and your continued use after changes take effect constitutes acceptance of the revised terms.

2. Use license

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your own personal, non-commercial purposes, free of charge. You may not:

Copy, scrape, republish, or redistribute the Site's content or calculators for commercial purposes without written permission.
Modify, reverse-engineer, or create derivative works from the Site.
Use automated systems to overload, disrupt, or misuse the Site.
Use the Site in any way that violates applicable laws or the rights of others.

3. Disclaimer of warranties

The Site and all of its content, calculators, and estimates are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, completeness, merchantability, or fitness for a particular purpose. The Site is for informational and educational purposes only and does not constitute financial, mortgage, tax, or legal advice. All results are estimates that depend on the inputs and assumptions used and will differ from actual lender terms. Consult a licensed lender or financial professional before making any decision. See our full Disclaimer for details.

4. Limitation of liability

To the fullest extent permitted by law, The Home Equity Calculator, the Rytell Home Equity Team, and their contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — the Site or its output, including any borrowing, refinancing, or financial decisions you make. You use the Site and rely on its estimates entirely at your own risk.

5. Third-party and affiliate links

The Site contains links to third-party websites, lenders, comparison services, and products. Some of these are affiliate links — including as an Amazon Associate — meaning we may earn a commission or referral fee if you click through and take a qualifying action, at no extra cost to you. We do not control third-party sites and are not responsible for their content, products, services, or practices. Inclusion of a link is not an endorsement. Once you leave the Site, the destination's own terms and privacy policy apply.

6. Changes to the Site and terms

We may modify, suspend, or discontinue any part of the Site at any time without notice. We may also revise these Terms of Service periodically; the "Last updated" date above reflects the most recent version. It is your responsibility to review these terms from time to time.

7. Contact

Questions about these terms? Reach us through our contact form.