Terms of Use

1. Educational Use Only. No Professional Advice

PocketWyse provides calculators, Articles, comparisons, and general financial education content for informational and illustrative purposes only. Nothing on this site constitutes financial, investment, legal, or tax advice, and nothing should be construed or relied upon as such.

Using this site does not create any advisor-client, lender-borrower, attorney-client, fiduciary, or professional relationship of any kind between you and PocketWyse. You are solely responsible for evaluating your own financial situation and for consulting a licensed professional, such as a financial advisor, CPA, attorney, or loan officer, before making any decision.

2. U.S.-Based Content and International Access

The calculators, formulas, terminology, and regulatory references on PocketWyse are based on U.S. financial structures and standards, including U.S. mortgage guidelines, U.S. credit and lending frameworks, and U.S. tax and insurance conventions. This content is designed for educational use in a U.S. context.

If you access this site from outside the United States, you do so voluntarily and acknowledge that the content may not apply to your country, jurisdiction, financial products, or applicable laws. PocketWyse makes no representation that any content is accurate, appropriate, or lawful for use outside the United States. International users are responsible for compliance with all local laws applicable to their use of this site.

3. No Guarantee of Accuracy or Availability

We make reasonable efforts to maintain accurate formulas, explanations, and content. However, we do not guarantee that any information on this site is complete, current, or free of errors. Interest rates, lending guidelines, tax treatment, mortgage insurance rules, and qualification standards change frequently and vary by lender, product, and jurisdiction.

This site, including any calculator or guide, may be modified, paused, or discontinued at any time without prior notice or liability of any kind.

4. Email Communications and Consent

If you voluntarily submit your email address through a form on this site, you consent to receive the content you requested and, where indicated, to receive educational newsletters, affiliate recommendations, sponsored messages, promotional communications, calculator updates, and other personal finance-related emails from PocketWyse.

You may withdraw this consent and unsubscribe at any time using the unsubscribe link included in every email. After unsubscribing, your email address will be removed from our active mailing list within a reasonable period. PocketWyse intends to comply with applicable email marketing and anti-spam laws, including unsubscribe requirements and commercial email disclosure obligations. We will not sell, rent, or share your email address with unaffiliated third parties for their own marketing purposes without your explicit consent.

By submitting your email address, you represent that you are the owner or authorized user of that address and that you are at least 18 years of age (or the applicable age of digital consent in your jurisdiction).

5. Advertising and Affiliate Links

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

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

No advertiser or affiliate partner has paid to influence the calculators, Articles, or editorial content on this site.

6. Your Responsibilities as a User

By using this site, you agree that you will:

• Use this site and its tools only for lawful, personal, and non-commercial purposes.
• Not attempt to damage, disable, overload, interfere with, or disrupt the site or its infrastructure.
• Not attempt to reverse engineer, scrape, extract, copy, or replicate the calculators, scripts, logic, or design for any commercial purpose without prior written permission from PocketWyse.
• Not use automated bots, scrapers, or similar tools to access or extract content from this site without authorization.
• Not submit false, misleading, or harmful content through any contact form or communication channel on this site.

You are solely responsible for how you interpret and act upon any information provided by this site.

PocketWyse reserves the right to block, limit, suspend, or restrict access to any user, IP address, automated system, scraper, bot, or service that attempts to overload, misuse, copy, interfere with, or disrupt the site or its infrastructure.

7. Intellectual Property

Unless otherwise noted, all text, design elements, layouts, calculator logic, guide content, and other materials on this site are the intellectual property of PocketWyse and are protected under U.S. and international copyright, trademark, and intellectual property laws.

You may view, print, or download content from this site for your own personal, non-commercial use. You may not reproduce, republish, distribute, sell, sublicense, or publicly display any content from this site for commercial purposes without prior written consent from PocketWyse.

Referencing or linking to PocketWyse for educational or informational purposes is permitted, provided the reference is accurate and not misleading.

8. Third-Party Links and Content

This site may contain links to third-party websites for convenience or reference. PocketWyse does not control and is not responsible for the accuracy, availability, security, content, or privacy practices of any third-party site. Visiting third-party sites is at your own risk and subject to their own terms and privacy policies.

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

9. No Warranties

This site and all its content, tools, and calculators are provided "as is" and "as available," without warranties of any kind, express or implied. This includes, without limitation, implied warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement.

PocketWyse does not warrant that the site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

10. Limitation of Liability

To the maximum extent permitted by applicable law, PocketWyse and its owners, operators, contributors, and affiliates are not liable for any loss, damage, cost, or consequence direct, indirect, incidental, consequential, special, statutory, or punitive, arising from your use of or inability to use this site, its calculators, its Articles, or any linked content, even if we were advised that such damages could occur.

If you rely on any estimate, projection, or example shown on this site including mortgage payments, payoff timelines, savings projections, qualification estimates, PMI calculations, or interest costs, you do so entirely at your own risk. Actual results will vary by lender, financial institution, credit profile, and jurisdiction.

Your use of this site is at your own risk. If you do not agree with this limitation, do not use this site.

11. Age and Eligibility

This site is intended for use by adults who are legally capable of reviewing financial information and making independent decisions. By using this site, you represent that you are at least 18 years of age or the age of majority in your jurisdiction, whichever is greater. PocketWyse is not intended for use by children or minors.

PocketWyse is not directed toward children or individuals under 18 years of age. We do not knowingly collect personal information from minors.

12. Governing Law and Dispute Resolution

These Terms are governed by applicable U.S. federal law. To the extent that state law applies, it will be the law of the state where PocketWyse is legally registered at the time a dispute arises, without regard to conflict-of-law principles.

Before initiating any formal legal proceeding, you agree to contact PocketWyse at contact@pocketwyse.com and attempt to resolve the dispute informally for a period of at least 30 days.

If you are accessing this site from outside the United States, you acknowledge that U.S. law governs these Terms and that you may have limited recourse under the laws of your own country.

18. Updates to These Terms

We may update these Terms at any time to reflect changes in our features, practices, or applicable law. 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 Terms.

14. Contact

Questions about these Terms: 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.