Terms of Use
Effective Date: [INSERT DATE] Last Updated: [INSERT DATE]
Note before publishing: This is a draft template, not legal advice. Have an attorney review this before publishing — especially the sections marked [REVIEW NEEDED], which depend on your business structure, state of operation, and how the Site evolves (e.g., if you add paid products, professional services, or user accounts in the future).
Welcome to BuyReadyHQ. These Terms of Use ("Terms") govern your access to and use of buyreadyhq.com (the "Site") and its content, tools, calculators, and resources (collectively, the "Services"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Educational Purpose Only — Not Advice
BuyReadyHQ provides general educational content about the homebuying process. The Site is not a lender, and nothing on the Site constitutes legal, tax, financial, credit, real estate, or mortgage advice, and is not a commitment to lend.
Loan terms, requirements, costs, interest rates, programs, and timelines vary by borrower, lender, loan program, market, and state, and they change over time. Calculators, worksheets, checklists, and examples on the Site are estimates and illustrations, not quotes, guarantees, or commitments, and may not reflect current rates, fees, or program terms.
You are responsible for verifying all information with appropriate licensed professionals — including a qualified mortgage lender, real estate agent, home inspector, title or escrow officer, attorney, insurance agent, and tax advisor — before making any homebuying decisions. Using the Site does not create any professional, advisory, agency, or lender-borrower relationship between you and BuyReadyHQ.
2. Eligibility
The Site is intended for users who are at least 18 years old. By using the Site, you represent that you meet this requirement.
3. Use of the Site
You agree to use the Site only for lawful purposes. You agree not to:
- Copy, reproduce, resell, or redistribute Site content without permission
- Attempt to gain unauthorized access to the Site or its systems
- Use automated tools (bots, scrapers) to extract content without our consent
- Use the Site in any way that could damage, disable, or impair its functionality
4. Intellectual Property
All content on the Site — including text, articles, checklists, worksheets, calculators, graphics, logos, and the BuyReadyHQ name and branding — is owned by BuyReadyHQ or its licensors and is protected by copyright, trademark, and other intellectual property laws.
Free resources (such as the Homebuyer Starter Kit and downloadable checklists) are licensed for your personal, educational use only. You may not copy, resell, or redistribute them without our prior written permission.
5. Third-Party Links and Tools
The Site may link to third-party websites, calculators, or services that we do not own or control. We are not responsible for the content, accuracy, or practices of any third-party site. Links do not imply endorsement.
6. Advertising and Disclosures
BuyReadyHQ does not currently display advertising or receive compensation from lenders, agents, or other service providers referenced on the Site. If this changes in the future, we will clearly disclose any relevant business relationships or sponsored content on the pages where they appear, consistent with our Editorial Policy.
[REVIEW NEEDED: If/when you introduce affiliate links, sponsored content, or lender partnerships, update this section — the FTC requires clear and conspicuous disclosure of material connections.]
7. No Guarantee of Outcomes
BuyReadyHQ does not guarantee any outcome, including loan approval, interest rate, savings, affordability, or timing, and makes no representation that any article, worksheet, calculator result, or strategy on the Site will result in a particular outcome for you.
8. Disclaimers
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, UNINTERRUPTED, OR THAT ANY CALCULATOR OR TOOL RESULTS WILL BE ACCURATE FOR YOUR SPECIFIC SITUATION.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, BUYREADYHQ AND ITS FOUNDERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT, TOOL, OR CALCULATOR RESULT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
[REVIEW NEEDED: Consider adding a liability cap (e.g., "our total liability will not exceed $100" or similar) — an attorney can advise on appropriate limits for an educational site with no paid transactions.]
10. Indemnification
You agree to indemnify and hold harmless BuyReadyHQ and its founders, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.
11. Changes to the Site or Terms
We may modify, suspend, or discontinue any part of the Site at any time. We may also update these Terms from time to time; continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
12. Governing Law
[REVIEW NEEDED: Insert your state, e.g., "These Terms are governed by the laws of the State of ______, without regard to its conflict of law principles." This should generally match where your business is registered/operated.]
13. Contact Us
Questions about these Terms can be sent to:
Email: hello@buyreadyhq.com
BuyReadyHQ provides educational information and tools for general informational purposes only. Content is not legal, tax, financial, real estate, or lending advice. Mortgage products, requirements, costs, and laws may vary by provider, property, and location.