Disclaimer

1. No Financial, Investment, Legal, or Tax Advice

The calculators, Articles, articles, and comparisons on PocketWyse are for general educational purposes only. They do not consider your full financial situation, credit profile, income, debt obligations, risk tolerance, timeline, goals, country of residence, or applicable local laws. They should not be used as the sole or primary basis for any financial, borrowing, refinancing, debt consolidation, investment, or legal decision.

PocketWyse is not a financial advisor, investment advisor, lender, mortgage broker, bank, insurance provider, law firm, tax advisor, or debt counselor. Using this site does not create a client relationship, advisory relationship, or fiduciary duty of any kind between you and PocketWyse.

Before making any financial, investment, legal, or tax decision, consult a qualified professional such as a licensed financial advisor, CPA, housing counselor, or attorney who is licensed to practice in your jurisdiction.

2. U.S.-Based Calculations and International Users

The calculators and content on PocketWyse are based on standard U.S. financial formulas, U.S. loan structures, and U.S. regulatory frameworks including conventional, FHA, and VA mortgage guidelines, U.S. credit card rules, and U.S. amortization standards. This site is designed for educational use in a U.S. context.

If you are accessing this site from outside the United States, the formulas, terminology, regulatory references, loan types, insurance requirements, and tax treatment described here may not apply to your country, jurisdiction, or financial products. PocketWyse makes no representation that any content on this site is accurate, appropriate, or lawful for use in any jurisdiction outside the United States. International users should consult a qualified professional in their own country before relying on any information shown here.

3. Accuracy, Assumptions, and Market Conditions

We strive to provide clear and useful information, but we do not guarantee that any figure, rate, timeline, eligibility guideline, or example shown on this site is complete, current, or applicable to your situation. Interest rates, underwriting standards, qualification rules, mortgage insurance requirements, tax treatment, and credit score thresholds vary by lender, by product, and by location, and they change frequently.

Any scenarios, payoff timelines, savings projections, PMI removal estimates, or hypothetical examples shown here are illustrative only. They may not match your lender's actual terms or your personal results.

You are responsible for verifying all figures and assumptions directly with your lender, servicer, bank, credit card issuer, insurer, tax professional, attorney, or other qualified professional before acting on them.

4. Advertising and Affiliate Links

This site may display advertisements served by third-party networks, including Google AdSense. These networks may use cookies, pixels, device identifiers, and similar technologies to serve interest-based ads, measure ad performance, personalize advertising where permitted, and detect fraud. PocketWyse does not control the content, accuracy, or availability of third-party advertisements and is not responsible for any products or services advertised.

This site may also include affiliate links. When present, PocketWyse may receive compensation if you click a link or complete an action through an affiliate partner. PocketWyse may send affiliate or promotional content through Articles, newsletters, or email communications where users have subscribed or consented. Affiliate relationships do not determine calculator formulas or override the educational purpose of the site. All affiliate links and sponsored content will be clearly identified when they appear.

No advertiser or affiliate partner has paid to influence the educational content, calculator formulas, or editorial positions on this site.

5. Use of Calculators and Tools

All calculator outputs are estimates based solely on the values you enter. Results are not loan quotes, rate locks, prequalification, preapproval, credit approval, underwriting decisions, or guarantees of any kind. Your actual payment, interest cost, PMI or MIP obligation, payoff timeline, and cash required at closing may differ significantly from what the calculator shows.

The tools on this site apply simplified assumptions, for example: fixed interest rates throughout the loan term, on-time payments every period, no new debt added, average days per month, fixed compounding behavior, and PMI removal at standard loan-to-value thresholds. Real-world conditions will differ.

If the values you enter are inaccurate or incomplete, the results will also be inaccurate or incomplete. You are solely responsible for reviewing your inputs and confirming actual terms with your lender or qualified professional.

By using any calculator or tool on this site, you acknowledge that the output is for general educational comparison only and does not constitute a financial recommendation or professional advice of any kind.

6. External Links and Third-Party Content

Some content on this site may reference publicly available sources such as government publications, central bank releases, housing agency guidelines, or other official materials. Any summaries or interpretations are for educational purposes only and may omit details, exceptions, or eligibility conditions. Always review the original source and consult a qualified professional before relying on referenced information.

PocketWyse is not affiliated with, endorsed by, or acting on behalf of any lender, bank, credit card issuer, insurer, or government agency, including the FHA, VA, CFPB, or any other entity referenced on this site.

Links to third-party websites are provided for convenience only. PocketWyse does not control and is not responsible for the accuracy, security, availability, or content of any external site. Visiting third-party sites is at your own risk.

7. Limitation of Liability

To the maximum extent permitted by applicable law, PocketWyse and its owners, operators, contributors, and affiliates are not liable for any decisions made or not made based on this site, or for any losses, damages, costs, or consequences, direct, indirect, incidental, consequential, special, or punitive, arising from your use of or inability to use this site, its calculators, its Articles, or any linked content.

This site and all its content and tools are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to any implied warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement.

Your use of this site is entirely at your own risk. If you do not agree with this Disclaimer, do not use this site or its tools.

8. Governing Law

This Disclaimer and any dispute arising from your use of this site will be governed by applicable U.S. federal law to the extent applicable. To the extent that state law applies, it will be the law of the state where PocketWyse is legally registered at the time the dispute arises, without regard to conflict-of-law principles.

If you are accessing this site from outside the United States, you do so voluntarily and are responsible for compliance with all local laws and regulations applicable in your jurisdiction.

9. Updates and Continued Use

This Disclaimer may be updated at any time to reflect changes in site features, applicable law, or our practices. The most current version will always be available on this page. Your continued use of the site after any update constitutes acceptance of the revised Disclaimer.

10. Contact

Questions about this Disclaimer: contact@pocketwyse.com

Contacting us does not create a professional, advisory, or fiduciary relationship of any kind. PocketWyse cannot provide personalized financial, investment, legal, or tax advice through any channel, including email.