Terms of Service

1. Acceptance of Terms

Welcome to HomeWise ("we", "our", or "us"), accessible at homewise.immo. By accessing or using our website, calculators, tools, and content (collectively, the "Service"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Service.

2. Use of the Service

HomeWise provides free educational tools and information about Canadian mortgages and real estate. You may use the Service for your own personal, non-commercial purposes. When using the Service, you agree not to:

• Use the Service in any way that violates any applicable federal, provincial, or local law or regulation
• Attempt to gain unauthorised access to any part of the Service, its servers, or connected systems
• Use any automated system, robot, or scraper to access or copy content without our written permission
• Interfere with or disrupt the integrity or performance of the Service
• Reproduce, duplicate, copy, sell, or resell any portion of the Service for commercial purposes without authorisation

3. No Financial or Professional Advice

All calculators, figures, rates, and content provided by HomeWise are for general informational and educational purposes only. They do not constitute financial, legal, tax, or professional advice, and should not be relied upon as such. Results are estimates based on the information you provide and general assumptions; they may not reflect your actual costs. Always consult a licensed mortgage professional, financial advisor, or lender before making any financial decision. See our Disclaimer for more detail.

4. Intellectual Property

All content on HomeWise — including text, calculators, graphics, logos, images, and software — is the property of HomeWise or its content suppliers and is protected by Canadian and international copyright laws. You may view and print content for your own personal use, but you may not reproduce, distribute, modify, or create derivative works without our prior written consent.

5. Third-Party Links and Advertising

The Service may contain links to third-party websites and displays advertisements served through Monetag. We do not control, endorse, or assume responsibility for the content, products, or practices of any third-party sites or advertisers. Your interactions with any third party are solely between you and that third party. Please review the privacy policies and terms of any external site you visit.

6. Limitation of Liability

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, HomeWise shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your use of the Service or reliance on any information provided, including but not limited to financial losses resulting from decisions made based on our calculators or content.

7. Changes to These Terms

We may update these Terms of Service from time to time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised terms.

8. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada and the province in which HomeWise operates, without regard to conflict of law principles.

9. Contact Us

If you have any questions about these Terms of Service, please reach out via our Contact page or email us at rmohan616@gmail.com.