Terms of Service | Homebuyer.com

Terms of Service, in Plain English

When you use Homebuyer.com, you agree to these terms. We provide free mortgage information and tools to help you make informed decisions. You can use our content for personal, educational purposes, but please don't copy or redistribute it without permission. We're not responsible for decisions you make based on our information, and we don't guarantee the accuracy of third-party content we link to.

Last updated: July 14, 2025

Homebuyer.com Terms of Service

1. Acceptance of Terms

By accessing and using Homebuyer.com, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. About Our Services

2.1 What We Provide

Homebuyer.com provides:

Educational content about mortgages and home buying
Mortgage comparison tools and calculators
Information about mortgage lenders and programs
News and updates about the mortgage industry

2.2 What We Don't Provide

We do not provide:

Mortgage loan origination services
Financial advice or recommendations
Credit decisions or loan approvals
Legal or tax advice

3. Use of Our Website

3.1 Permitted Use

You may use our website for:

Personal, non-commercial purposes
Educational and informational purposes
Researching mortgage options
Comparing mortgage products

3.2 Prohibited Use

You may not:

Copy, reproduce, or redistribute our content without permission
Use our content for commercial purposes
Attempt to reverse engineer our website or tools
Use automated systems to access our website
Interfere with the proper functioning of our website
Attempt to gain unauthorized access to our systems

4. Content and Information

4.1 Our Content

The content on Homebuyer.com is provided for informational purposes only. While we strive for accuracy, we cannot guarantee that all information is current, complete, or error-free.

4.2 Third-Party Content

We may link to or reference content from third parties, including:

Mortgage lenders and brokers
Government agencies
Industry organizations
News sources

We do not endorse or verify third-party content and are not responsible for its accuracy or availability.

4.3 User-Generated Content

If you submit content to us (such as comments or feedback), you grant us a non-exclusive license to use, modify, and display that content on our website.

5. Intellectual Property

5.1 Our Rights

Homebuyer.com and its content are protected by copyright, trademark, and other intellectual property laws. All rights are reserved by Growella Inc.

5.2 Your Rights

You retain ownership of any content you submit to us, but you grant us permission to use it as described above.

6. Privacy and Data

6.1 Privacy Policy

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy.

6.2 Data Security

We implement reasonable security measures to protect your information, but we cannot guarantee absolute security.

7. Disclaimers and Limitations

7.1 No Warranty

Our website and services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:

Warranties of merchantability
Warranties of fitness for a particular purpose
Warranties of non-infringement

7.2 Limitation of Liability

In no event shall Homebuyer.com or Growella Inc. be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

7.3 Financial Decisions

We are not responsible for any financial decisions you make based on information from our website. Always consult with qualified professionals before making mortgage or financial decisions.

8. Third-Party Services

8.1 Lender Connections

We may connect you with mortgage lenders, but we do not:

Originate loans
Make credit decisions
Guarantee loan approval
Control lender practices or policies

8.2 External Links

Our website contains links to external websites. We are not responsible for:

The content of external websites
The privacy practices of external websites
Any damages or losses from using external websites

9. Geographic Restrictions

9.1 State Limitations

Our services are not available in:

New York
Connecticut
Other states where prohibited by law

For more detailed information about our service limitations, please see our Important Notice.

9.2 International Use

Homebuyer.com is intended for use by residents of the United States only.

10. Changes to Terms

10.1 Updates

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated "Last updated" date.

10.2 Continued Use

Your continued use of Homebuyer.com after changes are posted constitutes acceptance of the updated terms.

11. Termination

11.1 Your Rights

You may stop using our website at any time.

11.2 Our Rights

We may terminate or suspend your access to our website at any time, with or without cause.

12. Governing Law

12.1 Applicable Law

These Terms of Service are governed by the laws of the State of Ohio, United States.

12.2 Jurisdiction

Any disputes arising from these terms or your use of our website shall be resolved in the courts of Hamilton County, Ohio.

13. Severability

If any provision of these Terms of Service is found to be unenforceable, the remaining provisions will continue in full force and effect.

14. Company Information

Homebuyer.com is operated by:

Growella Inc. 1311 Vine St, First Floor Cincinnati, OH 45202 Contact: hello@homebuyer.com

We are a mortgage information and comparison website. We are not a mortgage lender or broker and do not originate loans, collect personal financial information, or make credit decisions.

15. Contact Us

If you have questions about these Terms of Service, please contact us at hello@homebuyer.com.