Legal Information and Policies

About HomeExpertly

HomeExpertly was created to make home-buying knowledge simple, accessible, and easy to understand. Our mission is to help users evaluate mortgage options, understand loan terms, and make informed home-buying decisions using clear calculators and educational information.

Legal Disclaimer

HomeExpertly provides mortgage calculators, loan comparison tools, and educational content for informational purposes only. The information presented on this website, including calculator outputs, is not financial, legal, real estate, investment, or tax advice. Results are estimates and may differ from actual lender offers or financial outcomes.

Terms and Conditions

These Terms govern your use of HomeExpertly.com. By accessing or using this website, you agree to comply with these Terms.

Use of the Website

You may use the website for personal, non-commercial purposes. You agree not to misuse the site, attempt unauthorized access, reproduce our content without permission, or interfere with website functionality.

Informational Use Only

All tools and content are provided for general information. We do not guarantee that calculator results, articles, or estimates reflect actual lender terms, costs, approval outcomes, interest rates, or financial situations.

No Warranty

HomeExpertly is provided on an “as is” and “as available” basis. We do not make warranties regarding accuracy, reliability, availability, or suitability of any information.

Third-Party Links

We may link to third-party websites, services, or lenders. We are not responsible for external content or policies. You access third-party sites at your own discretion.

Limitation of Liability

HomeExpertly is not liable for:

• Losses arising from reliance on calculator results or content
• Errors, inaccuracies, or omissions
• Technical issues, interruptions, or data loss
• Financial decisions made based on website information

Your use of this website is at your own risk.

Intellectual Property & Modifications

All content, design, branding, calculators, and written materials on HomeExpertly are the property of HomeExpertly and may not be copied, reproduced, or distributed without written permission.

We may update these Terms at any time. Continued use of the site constitutes acceptance of revised Terms.

Privacy Policy

Information We Collect

HomeExpertly may collect the following:

• Information you voluntarily provide: Email address (if you contact us or subscribe) and messages or inquiries submitted through forms.
• Automatically collected data: IP address, browser and device information, pages visited, duration, and anonymous usage analytics.

We do not collect sensitive personal financial information or loan application data. Calculations run in your browser, and the numbers you enter into our calculators are not sent to our servers.

How We Use Information

Collected information may be used to improve website performance, analyze usage trends, respond to inquiries, send optional newsletters, show advertising, support affiliate tracking, and maintain website security. We do not sell personal information.

Cookies & Analytics

Cookies may be used for analytics, website functionality, advertising, and affiliate tracking. Users may disable cookies through their browser settings. Third-party tools like Google Analytics may collect data under their respective policies.

We use Microsoft Clarity to understand how visitors use our site, through heatmaps, click and scroll data, and anonymized session replays. Clarity uses cookies and similar technology to collect this usage data. We configure it to mask the text and numbers you type, so calculator inputs are not recorded. Data is collected and processed by Microsoft; see the Microsoft Privacy Statement for details.

Advertising cookies are explained in the next section.

Advertising & Cookies

HomeExpertly is free because we show ads. We use Google AdSense to display them on our calculator pages and guides. Every ad is labeled “Advertisement” and appears outside the calculators themselves.

How ad cookies work

• Third-party vendors, including Google, use cookies to serve ads based on your previous visits to this website and other websites.
• Google’s use of advertising cookies lets Google and its partners show you ads based on your visits to HomeExpertly and other sites on the internet.
• These cookies are set by Google and its partners, not by HomeExpertly. We do not control them, and we never pass them the numbers you enter into our calculators.

Your choices

• You can turn off personalized ads from Google at My Ad Center.
• You can opt out of personalized ads from other participating vendors at aboutads.info/choices (US) or youronlinechoices.eu (Europe).
• You can block or delete cookies in your browser settings. Some site features may still work without them, but ads may become less relevant.

Opting out does not remove ads. It means the ads you see are no longer based on your browsing.

Visitors in the EEA, UK, and Switzerland

We ask for your consent before personalized ads are shown. You can change your choice at any time using the privacy settings link at the bottom of any page.

Learn more

See How Google uses information from sites or apps that use its services for details on how Google collects and uses this data.

Data Rights & Security

We implement industry-standard protections, but no system is fully secure. You may request access to, deletion of, or removal from email communications for any personal information by contacting us.

Children’s & International Policies

HomeExpertly does not knowingly collect information from children under 13 years old. Data may be stored or processed in the United States.

Affiliate Disclosure

HomeExpertly may participate in affiliate programs. Some links on our website may lead to third-party services or products for which we may receive compensation if you click or make a purchase.

Contact Information

If you have questions about any of the policies on this page, you may contact us directly: