Financial Disclaimer

1. No Professional Advice

ComparesLoans.com and its content creators, contributors, and affiliates are not:

• Licensed financial advisors
• Certified financial planners
• Investment advisors
• Tax professionals
• Legal advisors
• Real estate professionals
• Insurance agents or brokers
• Mortgage brokers or loan officers

Nothing on this website should be construed as personalized financial advice tailored to your specific situation. The information provided is general in nature and may not be suitable for your particular circumstances.

2. Educational Purpose Only

All content on ComparesLoans.com, including but not limited to:

• Loan calculators and tools
• Articles and blog posts
• Guides and tutorials
• Comparison charts and tables
• Interest rate information
• Financial strategies and tips

is provided solely for educational and informational purposes to help you understand general financial concepts and make more informed decisions.

3. Calculator Limitations and Accuracy

3.1 Estimates Only

Our loan calculators provide estimates based on the information you input and standard mathematical formulas. These calculations:

• Are simplified representations of complex financial products
• May not include all fees, charges, or variables that affect actual loans
• Cannot account for individual lender practices or requirements
• Do not consider your personal creditworthiness or financial situation
• May not reflect current market conditions or interest rates

3.2 Factors Not Included

Our calculators may not account for:

• Origination fees and closing costs
• Private mortgage insurance (PMI)
• Property taxes and homeowners insurance
• HOA fees
• Variable interest rate changes
• Prepayment penalties
• Late payment fees
• Credit life or disability insurance
• Gap insurance (for auto loans)
• State and local regulations

3.3 Actual Results Will Vary

Your actual loan terms, payments, and total costs WILL differ from our calculator results based on numerous factors including but not limited to:

• Your credit score and credit history
• Debt-to-income ratio
• Employment history and income verification
• Down payment amount
• Loan-to-value ratio
• Property type and location
• Lender-specific requirements and fees
• Current market conditions
• Federal, state, and local regulations

4. No Guarantee of Loan Approval

Using our calculators or reading our content does not:

• Guarantee loan approval from any lender
• Constitute a loan offer or pre-approval
• Represent actual loan terms you may receive
• Create any obligation for lenders to offer specific terms
• Guarantee the availability of any loan products

5. Investment and Market Risks

Any discussion of investments, market conditions, or financial strategies on our website:

• Is for educational purposes only
• Does not constitute investment advice
• Does not consider your personal risk tolerance
• Cannot predict future market performance
• May not be suitable for your financial situation

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.

6. Third-Party Information

We may reference or link to third-party websites, lenders, financial institutions, or other resources. We:

• Do not endorse or guarantee any third-party products or services
• Are not responsible for third-party content or practices
• Cannot verify the accuracy of third-party information
• Do not control third-party terms, rates, or availability
• Are not liable for your interactions with third parties

7. Consult Professional Advisors

We strongly recommend that you consult with qualified professionals before making any financial decisions, including:

• Certified Financial Planners (CFP®) for comprehensive financial planning
• Licensed mortgage brokers or loan officers for specific loan products
• Certified Public Accountants (CPAs) for tax implications
• Licensed attorneys for legal matters
• Licensed real estate professionals for property transactions
• Licensed insurance agents for insurance products

These professionals can provide personalized advice based on your unique financial situation, goals, and risk tolerance.

8. No Fiduciary Relationship

ComparesLoans.com does not have a fiduciary relationship with users of this website. We do not:

• Act in your best interest as a fiduciary would
• Provide personalized recommendations
• Have knowledge of your personal financial situation
• Monitor your financial decisions or outcomes
• Update you on changes that may affect your situation

9. Information Currency and Updates

Financial regulations, interest rates, and loan products change frequently. While we strive to keep our information current:

• Content may not reflect the most recent changes
• Interest rates shown are examples and not current offers
• Regulations may have changed since publication
• Product availability varies by location and lender
• You should verify all information independently

10. Geographic Limitations

Our content is primarily intended for users in the United States. Financial regulations, products, and practices vary significantly by:

• Country
• State or province
• Local jurisdiction

Information on our site may not be applicable or accurate for users outside the United States or in specific states with unique regulations.

11. Limitation of Liability

To the maximum extent permitted by law, ComparesLoans.com, its owners, employees, contractors, and affiliates shall not be liable for any:

• Financial losses resulting from use of our calculators or information
• Decisions made based on our content
• Inaccuracies or errors in calculations or content
• Unavailability of the website or tools
• Actions taken by third parties
• Direct, indirect, incidental, special, or consequential damages

12. User Responsibility

By using ComparesLoans.com, you acknowledge and agree that:

• You are solely responsible for your financial decisions
• You will verify all information independently
• You will consult appropriate professionals for advice
• You understand the limitations of our calculators and content
• You will not rely solely on our information for financial decisions
• You accept all risks associated with using our website

13. Advertising and Affiliate Disclosure

ComparesLoans.com may display advertisements and participate in affiliate programs. This means:

• We may receive compensation when you click on certain links
• We may earn commissions from qualifying purchases or applications
• Advertising relationships do not influence our educational content
• We maintain editorial independence in our content creation
• Compensation does not guarantee positive coverage

For more information, see our Privacy Policy and Terms of Service.

14. Copyright and Fair Use

All original content on ComparesLoans.com is protected by copyright. While we encourage sharing our content for educational purposes, commercial use without permission is prohibited. When citing our content, please provide proper attribution and a link back to the original source.

15. Contact Information

If you have questions about this disclaimer or our content, please contact us:

16. Acceptance of Disclaimer

By using ComparesLoans.com, you acknowledge that you have read, understood, and agree to this Financial Disclaimer in its entirety. If you do not agree with any part of this disclaimer, please do not use our website or rely on our content for financial decisions.