Terms of Service

Last Updated: January 2026

1. Educational Purpose Only (Not Financial Advice)

All calculators, content, comparison frameworks, and guides published on Moniest are provided solely for general informational and educational purposes. Moniest is not a licensed mortgage lender, loan broker, depository institution, financial advisor, or legal counsel.

2. No Guarantee of Loan Terms or Rates

Calculations generated on this website are hypothetical estimates based on the numeric inputs you provide and standard mathematical formulas. Actual interest rates, closing costs, annual percentage rates (APR), monthly payments, loan eligibility, taxes, and insurance vary significantly depending on individual borrower credit scores, property appraisals, lender underwriting criteria, and geographic location.

3. Limitation of Liability

To the fullest extent permitted by applicable law, Moniest and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising out of your access to, use of, or inability to use our calculation tools.

4. Intellectual Property

All site content, design layouts, software calculations, and branding elements are the property of Moniest and protected by applicable copyright and intellectual property laws.

5. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of Moniest following modifications constitutes acceptance of the updated terms.