Last Updated: March 22, 2026

    Terms of Service

    Clear, simple guidelines for using HELOCYourHome.com.

    Welcome to HELOCYourHome.com. By accessing or using our website, tools, and services, you agree to the following terms. Please read them carefully — we've written them in plain English so they're easy to understand.

    1Purpose of the Platform

    HELOCYourHome.com is an educational platform designed to help homeowners understand their home equity, explore HELOC (Home Equity Line of Credit) options, and make informed decisions about their finances. Our tools, calculators, and resources are for informational and educational purposes only and should not be relied upon as a substitute for professional financial advice.

    2No Financial Advice

    Nothing on this website constitutes financial, legal, tax, or investment advice. The information provided is general in nature and may not apply to your specific situation. All rates, estimates, projections, and savings figures displayed by our calculators and tools are for illustration only and are not guaranteed. We strongly encourage you to consult with a qualified financial advisor, accountant, or attorney before making any financial decisions.

    3Not a Lender or Broker

    HELOCYourHome.com is NOT a lender, mortgage broker, or financial institution. We do not originate, underwrite, or fund loans. We do not collect mortgage applications, make credit decisions, or guarantee loan approvals. We do not quote APRs, lock rates, or issue pre-approvals. If you choose to connect with a third-party lender through our platform, any lending relationship is solely between you and that lender. Each lender is independently responsible for providing all required Regulation Z (Truth in Lending Act) disclosures.

    4Variable Rate Disclosure

    A HELOC typically carries a variable interest rate that is tied to the prime rate. This means your rate, monthly payment amount, and total interest paid can increase or decrease over the life of the loan based on market conditions. The estimates shown on our platform assume a static rate for modeling purposes and do not reflect potential future rate changes. You should consider the risk of rate increases when evaluating any HELOC strategy.

    5User Responsibilities

    By using this site, you agree to: provide accurate information when using our tools and forms; use the platform for lawful purposes only; not attempt to interfere with or compromise the security or functionality of the platform; review the terms, privacy policies, and all APR/fee disclosures of any third-party lender before sharing your personal information or entering into a lending agreement.

    6Data Collection & Privacy

    We collect personal information as described in our Privacy Policy, including name, email, phone number, ZIP code, and self-reported financial details (credit range, employment type, income range). This information is used to personalize your experience and, with your explicit consent, to connect you with third-party lenders. We do not sell your personal data. For full details on data collection, usage, sharing, and your rights, please review our Privacy Policy.

    7Third-Party Lender Responsibilities

    Any lender you connect with through HELOCYourHome.com operates independently. We do not control, endorse, or guarantee the products, rates, terms, or practices of any third-party lender. Each lender is solely responsible for their own lending decisions, disclosures (including all APR, fee, and repayment term disclosures required under Regulation Z), and compliance with applicable federal and state lending laws.

    8Limitation of Liability

    HELOCYourHome.com and its owners, operators, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this platform, including but not limited to reliance on any calculator results, rate estimates, or educational content. All tools, calculators, and content are provided "as is" without warranties of any kind, expressed or implied.

    9Intellectual Property

    All content, logos, trademarks, and materials on HELOCYourHome.com are the property of HELOCYourHome.com or its licensors. You may not reproduce, distribute, or use any content from this site without prior written permission.

    10Changes to Terms

    We reserve the right to update or modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the platform after changes are posted constitutes your acceptance of the revised terms.

    11Contact Us

    Questions about these terms? Reach out at support@helocyourhome.com.