Last updated: May 1, 2026
By accessing or using MyHelocRates.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to modify these terms at any time, and your continued use of the Site following any changes constitutes your acceptance of the revised terms.
You may use this Site for lawful, personal, non-commercial purposes only. You agree not to:
All content on this Site — including but not limited to text, articles, guides, graphics, logos, calculator tools, and the overall design — is the property of MyHelocRates.com or its content suppliers and is protected by United States and international copyright laws.
You may view, download, and print content from this Site for your own personal, non-commercial use, provided you do not modify the content and retain all copyright notices. Any other use of the content requires our prior written permission.
The content on this Site is provided for informational and educational purposes only. It does not constitute financial, legal, investment, or professional advice. See our full Disclaimer for details. You should always consult a qualified professional before making any financial decision.
The HELOC calculators on this Site are provided as convenience tools for estimation purposes only. Results are approximate and are not a guarantee of actual loan terms, eligibility, or lender approval. Calculator inputs are not stored or transmitted by us. See our Disclaimer for full details.
This Site contains links to third-party websites and displays advertisements served by third parties, including Google AdSense. We do not endorse, control, or accept responsibility for the content, privacy practices, or reliability of any third-party site. Your interactions with third-party sites are governed by their own terms and policies.
We may receive compensation through advertising or affiliate arrangements. This does not affect the objectivity of our editorial content.
This Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the maximum extent permitted by applicable law, MyHelocRates.com and its owners, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of — or inability to use — the Site or its content, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless MyHelocRates.com and its owners, operators, affiliates, and contributors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your use of the Site or your violation of these Terms.
These Terms of Use are governed by and construed in accordance with the laws of the United States and the state in which MyHelocRates.com operates, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the competent courts of that jurisdiction.
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including if we believe you have violated these Terms of Use.
These Terms of Use, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and MyHelocRates.com with respect to your use of the Site and supersede all prior agreements and understandings.
If you have any questions about these Terms of Use, please contact us via our Contact Page.