Effective date: October 12, 2025
Content:
1) Acceptance of terms
By using HomeBuyerCalculator.space (the “Site”), you agree to these Terms. If you do not agree, do not use the Site.2) Educational purpose; no financial advice
Calculators and content are for educational purposes only and provide estimates, not guarantees or commitments to lend, pre‑approvals, or rate quotes. Always consult a licensed mortgage professional, real estate professional, or advisor before making decisions.3) Not a lender or broker (unless otherwise posted)
VM Consulting and Management LLC is the Site owner and is not your lender or broker and does not originate loans or list/sell real property. When you request contact, we may refer your information to one or more independent Professionals (real estate agents or loan officers), who operate under their own licenses and terms.4) Your submissions & consent
By submitting a form, you represent the information is accurate and you authorize us to share it with assigned Professionals so they can contact you by your selected method (phone, text, email). Standard message/data rates may apply. You can opt out at any time.5) Third‑party links & services
We are not responsible for third‑party sites or services linked from the Site. Your dealings with third parties are solely between you and them.6) Intellectual property
The Site, calculators, text, graphics, and logos are owned by VM Consulting and Management LLC or its licensors. You may not copy, modify, or distribute content without permission.7) Prohibited uses
Do not misuse the Site (e.g., attempt to breach security, scrape at scale, or reverse engineer). We may suspend access for suspected abuse.8) Disclaimers
THE SITE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS, AND NON‑INFRINGEMENT. We do not warrant accuracy, timeliness, or availability.9) Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VM CONSULTING AND MANAGEMENT LLC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS/REVENUES, ARISING FROM OR RELATED TO YOUR USE OF THE SITE.10) Indemnification
You agree to indemnify and hold us harmless from claims arising out of your use of the Site or violation of these Terms.11) Governing law
These Terms are governed by the laws of Florida, without regard to conflicts of law.12) Changes to Terms
We may update these Terms at any time. Continued use after changes means you accept the new Terms.