Terms of Use

These Terms of Use govern your access to and use of HomeAndEquity.com and the tools, information, estimates, forms, and services made available through the website.

By using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.

Informational Purposes Only

Home & Equity provides tools and information intended to help homeowners better understand their property, estimated home value, estimated equity, and possible next steps.

Information provided through this website is for general informational purposes only and should not be considered legal, financial, tax, investment, appraisal, lending, insurance, or real estate advice.

Home Value and Equity Estimates

Home values, equity figures, property information, and other estimates displayed on Home & Equity may be generated using third-party data, automated valuation models, public records, user-provided information, or other data sources.

These estimates may be incomplete, outdated, or inaccurate and should not be relied upon as a substitute for an appraisal, comparative market analysis, broker price opinion, payoff statement, title report, or other professional evaluation.

No Professional Relationship Created

Your use of Home & Equity does not by itself create an attorney-client, lender-borrower, broker-client, insurance agent-client, fiduciary, or other professional relationship.

A professional relationship may be established only through appropriate agreements, applications, disclosures, or other documentation with the applicable provider.

Mortgage and Financing Information

Any mortgage, refinance, home-equity, HELOC, purchasing-power, payment, or financing information displayed through the website is informational only.

Loan availability, qualification, rates, terms, payments, fees, and approval depend on many factors and are subject to lender underwriting, verification, program requirements, market conditions, and applicable law.

Nothing on this website constitutes a commitment to lend, an offer of credit, or a guarantee of loan approval.

Real Estate Information

Real estate information available through Home & Equity may include estimated market values, property characteristics, neighborhood data, market information, or potential selling and purchasing scenarios.

Actual market value and sale price depend on property condition, location, improvements, comparable sales, market conditions, buyer demand, and other factors.

Users should consult a qualified real estate professional for advice regarding a specific property or transaction.

Insurance, Title, and Escrow Information

Any information concerning insurance, title, escrow, settlement services, or related products is provided for general informational purposes.

Availability, eligibility, coverage, pricing, fees, and terms may vary depending on the provider, property, transaction, jurisdiction, and individual circumstances.

Affiliated and Third-Party Service Providers

Home & Equity may connect users with real estate, mortgage, title, escrow, insurance, or other professionals or service providers based on the user’s request.

Some service providers may be affiliated with Home & Equity or with companies associated with Home & Equity.

Where required by law, additional affiliated-business, ownership, compensation, cost, or referral disclosures may be provided separately.

Unless otherwise required by law or expressly disclosed, you are generally free to shop for and select service providers of your choice.

No Requirement to Purchase

Using Home & Equity does not require you to purchase a real estate, mortgage, title, escrow, insurance, or other product or service.

Consent to receive marketing communications is not a condition of purchasing any product or service where applicable law requires such consent to be optional.

Communications

If you voluntarily provide your contact information and consent to be contacted, Home & Equity and professionals relevant to your request may contact you by telephone, email, or text message.

Message and data rates may apply. You may opt out of text messages by replying STOP and may unsubscribe from marketing emails using the instructions included in those communications.

User Responsibilities

You agree to provide accurate information when using the website and not to use Home & Equity for unlawful, fraudulent, abusive, or unauthorized purposes.

You may not attempt to:

• Interfere with the operation or security of the website
• Access systems or data without authorization
• Use automated tools to abuse website forms or services
• Introduce malicious code or harmful software
• Misrepresent your identity or submit fraudulent information

Third-Party Data and Services

Home & Equity may rely on or integrate with third-party technology, analytics, property-data providers, valuation providers, hosting services, communications systems, and other services.

We do not control all third-party data and cannot guarantee its accuracy, completeness, availability, or continued operation.

Website Availability

We may modify, suspend, discontinue, or update any part of the website at any time without notice.

We do not guarantee that the website or any feature will always be available, uninterrupted, secure, or error-free.

Intellectual Property

Unless otherwise stated, the Home & Equity name, branding, website design, original content, graphics, tools, and other materials are owned by or licensed to Home & Equity and are protected by applicable intellectual-property laws.

You may use the website for your personal, non-commercial use. You may not reproduce, republish, distribute, sell, or exploit protected website materials without permission.

Disclaimer of Warranties

To the fullest extent permitted by law, Home & Equity and its website are provided on an “as is” and “as available” basis.

We make no warranties or representations regarding the accuracy, completeness, reliability, availability, or suitability of website information, estimates, or services for any particular purpose.

Limitation of Liability

To the fullest extent permitted by applicable law, Home & Equity and its affiliated entities, service providers, owners, officers, employees, agents, and representatives will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of the website.

Nothing in these Terms of Use is intended to exclude or limit liability that cannot legally be excluded or limited.

Privacy

Your use of this website is also subject to our Privacy Policy.

Changes to These Terms

We may update these Terms of Use from time to time.

Changes become effective when posted unless otherwise stated. The effective date at the top of this page indicates when these Terms were last updated.

Governing Law

These Terms of Use are governed by applicable federal law and, to the extent state law applies, the laws of the State of Utah, without regard to conflict-of-law principles.

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