Terms of Use

Last updated: April 27, 2026

Educational use only

HELOC Ledger publishes educational content and calculators. Nothing on this site is financial, legal, tax, or investment advice. Always confirm rates, fees, and tax treatment with your lender, accountant, or attorney before making a financial decision.

No warranty

The site is provided "as is." We make a reasonable effort to keep numbers and calculator logic accurate, but we make no warranty as to fitness for any particular purpose. Use the site at your own risk.

Limitation of liability

To the maximum extent allowed by law, HELOC Ledger and its operators are not liable for any indirect, consequential, or incidental damages arising out of your use of the site, including but not limited to financial decisions you make based on calculator output or article content.

Intellectual property

All site content is © HELOC Ledger unless otherwise noted. You may quote excerpts with attribution and a link back. Wholesale republication requires written permission.

Acceptable use

• Don't scrape the site at high request rates.
• Don't attempt to compromise its integrity or availability.
• Don't submit other people's email addresses.

Governing law

These terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles.

Changes

We may update these terms. Material changes will be highlighted on the site for 30 days.