Terms of Use

1) About the Site; No Advice

• Family Brands LLC operates an informational website providing calculators, tools, and educational content about mortgages and household finance. We are not a lender, broker, or financial advisor, and the Site does not provide financial, legal, accounting, or tax advice. Nothing on the Site is an offer, solicitation, or commitment to lend.
• Calculator outputs are estimates only and may differ from lender disclosures due to rounding, inputs, assumptions, changing market rates, taxes/insurance variations, and program rules (e.g., PMI/MIP/guarantee fees). Always verify with your lender or qualified advisor.
• You agree not to rely on the Site as the sole basis for any financial decision. Use of the Site is at your own risk.

2) Eligibility & Acceptable Use

You must be at least 13 years old (or the age of digital consent in your jurisdiction) to use the Site. You may use the Site only for lawful, personal, non-commercial purposes and in accordance with these Terms. You agree not to:

• violate any applicable law, regulation, or third-party right;
• submit sensitive personal information (e.g., Social Security numbers, full payment card numbers, bank account numbers, health data) through forms not specifically designed for that purpose;
• copy, scrape, crawl, index, or bulk-download the Site or content (except standard caching by a consumer browser);
• attempt to interfere with the Site’s proper working, including by introducing malware, performing load tests without permission, or bypassing rate limits;
• reverse engineer or attempt to extract source code of the Site or its software, except where allowed by applicable law and only after giving us notice;
• use the Site to train or fine-tune AI models without our prior written consent;
• misrepresent your identity or affiliation with any person or entity.

3) User Submissions & Feedback

If you email us or submit content or feedback (“Submissions”), you grant Family Brands LLC a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such Submissions for operating, improving, and promoting the Site. Do not send confidential information.

4) Intellectual Property

The Site and its content (text, graphics, UI, logic, and trademarks) are owned by Family Brands LLCor its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial use. Any commercial use, reproduction, or distribution requires our prior written consent.

We respect intellectual-property rights. If you believe content infringes your copyright, you may notify us using our Contact Us page. Provide sufficient detail to locate the content and prove your rights.

5) Third-Party Services; Links; Affiliates

• The Site may link to third-party websites or use third-party services (e.g., hosting, analytics, email). We do not control and are not responsible for third-party content, policies, or practices. Your use of those services is governed by their terms.
• We may include affiliate links or receive referral fees if you click or purchase through certain links. Our editorial content is independent; however, we may be compensated when you use affiliate links. See our Privacy Policy for details on cookies and tracking.

6) Availability; Changes; Beta Features

We may modify, suspend, or discontinue any part of the Site at any time without notice. From time to time we may release features in “beta”; such features may be incomplete or change without notice and are provided “as is.”

7) Disclaimers; Limitation of Liability

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. Family Brands LLCDOES NOT WARRANT THAT THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL Family Brands LLC OR ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF (A) USD $50 OR (B) THE AMOUNT YOU PAID US (IF ANY) IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow exclusion of certain warranties or limitations on liability; these Terms apply only to the extent permitted by applicable law.

8) Indemnification

You agree to defend, indemnify, and hold harmless Family Brands LLC from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Site or your violation of these Terms or applicable law.

9) Governing Law; Dispute Resolution

These Terms are governed by the laws of the State of Texas and the United States, without regard to conflict-of-laws principles. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

Binding Arbitration & Class-Action Waiver

Any dispute, claim, or controversy arising out of or relating to the Site or these Terms shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall take place in Montgomery County, Texas (or by videoconference, at the arbitrator’s discretion). You and we waive any right to a jury trial and to participate in a class or representative action.

30-day opt-out: You may opt out of arbitration by sending written notice to Family Brands LLC — Postal address: 14090 FM 2920 Rd. Ste G174 Tomball, TX 77377 within 30 days of first accepting these Terms. If you opt out, or to the extent arbitration is not enforceable, the exclusive venue shall be the state or federal courts in Montgomery County, Texas, and you consent to personal jurisdiction there.

This section does not prevent either party from seeking temporary injunctive relief in a court of competent jurisdiction to protect rights pending arbitration. Mandatory consumer rights in your jurisdiction remain unaffected where non-waivable.

10) Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to the Site or other users.

11) Privacy

Our collection and use of personal information is described in our Privacy Policy.

12) International Use; Sanctions

The Site is operated from the United States. We do not represent that the Site is appropriate or available in other locations. You are responsible for compliance with local laws and with U.S. export and sanctions laws; you may not use the Site if you are located in an embargoed jurisdiction or on a restricted-party list.

13) Changes to These Terms

We may update these Terms from time to time. The “Last updated” date indicates when they were last revised. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.

14) Miscellaneous

• Severability. If any provision is unenforceable, it will be modified to the minimum extent necessary to be enforceable; the remainder remains in effect.
• No waiver. Failure to enforce a provision is not a waiver.
• Assignment. You may not assign these Terms without our consent. We may assign them as part of a reorganization, merger, or sale.
• Entire agreement. These Terms (plus policies referenced here) are the entire agreement between you and us regarding the Site.
• Headings. Headings are for convenience only.

15) Contact Us

Family Brands LLC — 14090 FM 2920 Rd. Ste G174, Tomball, TX 77377
Email: via our Contact Us page