Off the Books

Terms of Service

Effective Date: January 18, 2026

Last Updated: January 18, 2026

Agreement to Terms

Welcome to Off the Books. By accessing or using our website at offthebooks.netlify.app (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our Site.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms.

Description of Service

Off the Books provides free financial calculators and educational content to help users make informed financial decisions. Our services include:

  • Refinance Calculator: Helps homeowners evaluate mortgage refinancing options
  • Educational Content: Articles, guides, and resources about personal finance
  • Newsletter: Optional email updates about financial topics (requires opt-in)

Educational Purposes Only

IMPORTANT DISCLAIMER:

All calculators, tools, and content on this Site are provided for educational and informational purposes only. They are not intended to be financial, legal, tax, or investment advice.

Our calculators provide estimates based on the information you input and general market data. Actual results may vary significantly based on:

  • Individual lender requirements and policies
  • Your specific financial situation
  • Market conditions and rate changes
  • Geographic location
  • Credit history and other factors not captured in our calculators

You should not rely solely on our calculators to make financial decisions. Always consult with qualified professionals, including:

  • Licensed financial advisors
  • Mortgage brokers or loan officers
  • Tax professionals
  • Legal counsel

We make no representations or warranties about the accuracy, completeness, or suitability of any information provided on this Site.

No Professional Relationship

Use of this Site does not create a professional relationship between you and Off the Books. We are not your financial advisor, mortgage broker, attorney, or tax professional.

Any information you receive from our Site should be independently verified with qualified professionals before making financial decisions.

User Responsibilities

By using our Site, you agree to:

Provide Accurate Information

  • Input accurate data into our calculators
  • Understand that calculator results are only as accurate as the information you provide

Use the Site Lawfully

  • Comply with all applicable laws and regulations
  • Not use the Site for any illegal or unauthorized purpose
  • Not attempt to harm, disrupt, or interfere with the Site’s operation

Protect Your Information

  • Maintain the confidentiality of any account credentials (if applicable)
  • Not share your account access with others
  • Notify us immediately of any unauthorized access

Accept Limitations

  • Understand that calculator results are estimates, not guarantees
  • Verify all information with qualified professionals
  • Make your own independent financial decisions

Intellectual Property Rights

Our Content

All content on this Site, including but not limited to text, graphics, logos, images, calculator tools, and software, is the property of Off the Books or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may:

  • Use our calculators for personal, non-commercial purposes
  • View and print pages for personal reference
  • Share links to our Site

You may not:

  • Copy, reproduce, or distribute our calculator code or design
  • Use our content for commercial purposes without permission
  • Remove copyright or proprietary notices
  • Create derivative works based on our Site

Your Content

If you submit content to our Site (e.g., comments, feedback, suggestions), you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content.

Third-Party Links and Services

Affiliate Links

Our Site contains affiliate links to third-party websites and services. We may earn a commission when you click on these links or sign up for services through our partners.

These affiliate relationships help us keep our calculators free. Commissions do not affect:

  • The rates or terms you receive from lenders
  • The accuracy of our calculator results
  • Our recommendations or content

Third-Party Websites

When you click on affiliate links or other third-party links, you will be directed to external websites that are not operated by us. We are not responsible for:

  • The content, privacy policies, or practices of third-party websites
  • Any transactions you enter into with third parties
  • The accuracy of information provided by third parties

We encourage you to review the terms and privacy policies of any third-party websites you visit.

Third-Party Services

We use third-party services to operate our Site, including:

  • Google Analytics: For website analytics
  • Netlify: For website hosting
  • Affiliate Networks: For managing affiliate partnerships

These services have their own terms and privacy policies.

Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

  • Accuracy: We do not warrant that calculator results are accurate, complete, or current
  • Availability: We do not guarantee that the Site will be available at all times or free from errors
  • Fitness for Purpose: We do not warrant that the Site will meet your specific needs or expectations
  • Security: We do not guarantee that the Site is free from viruses, malware, or other harmful components

USE OF THIS SITE IS AT YOUR OWN RISK.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OFF THE BOOKS AND ITS OWNERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO:

  • Direct, indirect, incidental, consequential, or punitive damages
  • Financial losses resulting from reliance on calculator results
  • Losses resulting from decisions made based on Site content
  • Losses resulting from third-party services or affiliate links
  • Data loss, business interruption, or lost profits
  • Any other damages, even if we have been advised of the possibility of such damages

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED $100 OR THE AMOUNT YOU PAID TO USE OUR SITE (WHICH IS ZERO, AS OUR SITE IS FREE).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Off the Books and its owners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any rights of another person or entity
  • Any financial decisions you make based on Site content

Rate Data and Accuracy

Data Sources

Our calculator uses rate data from publicly available sources, including:

  • Freddie Mac Primary Mortgage Market Survey
  • Other publicly available market data

Rate Disclaimers

Rates shown on our Site are estimates and averages. Actual rates may vary based on:

  • Individual lender policies
  • Your credit score and financial profile
  • Loan-to-value ratio
  • Property location
  • Market conditions at the time of application
  • Other factors specific to your situation

We do not guarantee:

  • That you will qualify for the rates shown
  • That rates are current or accurate at the time you view them
  • That any specific lender will offer the rates shown

Always verify current rates directly with lenders before making decisions.

Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice, for any reason, including:

  • Violation of these Terms
  • Fraudulent or abusive behavior
  • Any other reason at our sole discretion

Upon termination, your right to use the Site will immediately cease.

Governing Law and Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the Site shall be resolved through:

  1. Informal Resolution: Contact us first to attempt to resolve the dispute informally
  2. Binding Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in the State of California in accordance with the rules of the American Arbitration Association
  3. Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in class actions

Exceptions

Notwithstanding the above, either party may seek injunctive relief in court to protect intellectual property rights or prevent irreparable harm.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Off the Books regarding your use of the Site and supersede any prior agreements.

Contact Us

If you have questions about these Terms of Service, please contact us:

Off the Books

Email: admin@offthebooks.money

Website: offthebooks.netlify.app

Summary (Plain English)

What this means:

  • Our calculators are for educational purposes only — Not financial advice
  • Results are estimates — Actual rates and terms may vary
  • Consult professionals — Always verify with qualified advisors
  • We use affiliate links — We may earn commissions (doesn’t affect your rates)
  • No guarantees — We provide the Site “as is” without warranties
  • Limited liability — We’re not responsible for financial decisions you make
  • Your responsibility — Verify all information independently

Bottom line: Use our calculators as a starting point, but always consult with qualified professionals before making financial decisions.

These Terms of Service are effective as of January 18, 2026.

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms.