Terms of Use

Last updated: 2026-05-03

Acceptance of Terms

By accessing or using home-loan-rate-decision-guide.hub2.day (the “Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.

Purpose and Informational Use Only

The Home Loan Rate Decision Guide is an interactive decision framework designed to help homeowners and buyers think through rate change scenarios, compare fixed vs. variable options, and understand break-even points. The Site is provided for general informational and convenience purposes only.

The Site does not provide financial, legal, tax, mortgage, or other professional advice. Nothing on the Site should be relied upon as a substitute for professional guidance tailored to your specific circumstances.

No Professional Advice

The content and outputs on the Site are generated for illustrative and educational purposes. They do not take into account your personal financial situation, goals, or obligations. You should consult a qualified professional (such as a mortgage broker, financial adviser, or solicitor) before making any financial decisions.

Verification of Outputs

You are responsible for verifying any information, calculations, or comparisons provided by the Site before relying on them. The Site does not guarantee the accuracy, completeness, or timeliness of any outputs, and actual rates, terms, and conditions may differ from those shown.

Lawful Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not use the Site in any way that violates applicable local, national, or international laws or regulations.

Prohibited Misuse

You agree not to:

• Use the Site to generate content for misleading, fraudulent, or harmful purposes.
• Attempt to gain unauthorized access to the Site, its servers, or any connected systems.
• Interfere with or disrupt the operation or security of the Site.
• Use automated tools (such as bots or scrapers) to access the Site in a manner that exceeds normal personal use.
• Reproduce, redistribute, or commercially exploit the Site’s content or functionality without permission.

Advertising and Third Parties

The Site may display advertisements (including through Google AdSense) and may link to third-party websites or services. These ads and third-party sites are not under our control, and we are not responsible for their content, practices, or availability. Your interactions with advertisers or third parties are solely between you and them.

Intellectual Property

The design, text, graphics, and other content on the Site are protected by applicable intellectual property laws. You may view and use the Site for personal, non-commercial purposes, but you may not copy, modify, distribute, or create derivative works from the Site’s content without our prior written consent.

Availability and Changes

We aim to keep the Site available and functioning, but we do not guarantee uninterrupted or error-free access. We may update, modify, or discontinue the Site (or any part of it) at any time without notice.

Disclaimers

The Site is provided “as is” and “as available” without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be accurate, reliable, complete, or free of errors, viruses, or other harmful components.

Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of or inability to use the Site.

In no event shall our total liability to you for all claims related to the Site exceed the amount you have paid to access the Site (if any) or the minimum amount permitted by law, whichever is greater.

Indemnity

You agree to indemnify and hold harmless the operator of the Site from any claims, damages, losses, liabilities, or expenses (including reasonable legal fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Disputes

These Terms are governed by the laws applicable in the jurisdiction where the Site operates, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of the Site will be resolved in the courts of that jurisdiction, unless otherwise required by local law.

Privacy

Your use of the Site is also governed by our Privacy Notice, which describes how we collect, use, and protect information. By using the Site, you acknowledge that you have read and understood the Privacy Notice.

Contact

If you have questions about these Terms, please contact us at hello@home-loan-rate-decision-guide.hub2.day.