Terms and Conditions for HomeWalletLife.com

Effective Date: [10/2/2025]

Welcome to HomeWalletLife.com ("Website", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using HomeWalletLife.com, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. Use of the Website

You agree to use HomeWalletLife.com for lawful purposes only and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of the Website.

2. Affiliate Disclosure

Some articles and pages on this Website may contain affiliate links. This means we may earn a commission if you click on a link and make a purchase, at no additional cost to you. These commissions help support the maintenance of the site and do not influence our editorial content or reviews.

3. Professional Services

HomeWalletLife.com may showcase services offered by a licensed Mortgage Loan Originator (MLO). Any financial or mortgage-related content is for informational purposes only and does not constitute professional financial or legal advice. For specific mortgage guidance or loan services, users should directly contact the MLO through the appropriate channels and ensure compliance with all licensing and regulatory requirements applicable in their jurisdiction.

4. Intellectual Property

All content on HomeWalletLife.com—including but not limited to text, graphics, images, logos, and original blog content—is the intellectual property of HomeWalletLife.com unless otherwise stated. Unauthorized use, reproduction, or distribution is strictly prohibited without written permission.

Restrictions of Use

When accessing or using this Website, you agree not to:

• Copy, reproduce, or redistribute Website content without permission

• Use the Website for any unlawful purpose or to solicit others to perform illegal activities

• Attempt to gain unauthorized access to any portion or feature of the Website or any systems connected to it

• Use any automated means (bots, crawlers, scrapers) to access the Website or extract data

• Upload or transmit malicious code, viruses, or any other type of harmful software

• Misrepresent yourself or impersonate another individual or entity

• Interfere with the proper working of the Website or attempt to disrupt our services in any way

No Guarantees or Warranties

We strive to provide accurate and up-to-date information. However, HomeWalletLife.com makes no warranties or representations as to the accuracy, completeness, or reliability of any content. You use the Website at your own risk.

Limitation of Liability

Under no circumstances shall HomeWalletLife.com or its owners, affiliates, or contributors be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your access to or use of the Website or any content therein.

Third-Party Links

The Website may contain links to third-party websites or services. These are provided for your convenience, and we are not responsible for the content, privacy practices, or services offered by any third-party site.

Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Website after changes are posted constitutes your acceptance of those changes. Please check this page periodically.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the state or country in which the Website operator resides, without regard to its conflict of law provisions.

Contact Us

If you have any questions or concerns regarding these Terms, please contact us at:
📧 [ruthyleatham@hotmail.com]