Terms of Service

By accessing or using PilotRate ("the Service"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use the Service.

PilotRate is an educational tool designed to help home buyers across Canada, the United States, the United Kingdom, and Australia understand mortgage calculations and concepts. All content, calculations, estimates, and AI responses provided by the Service are for informational and educational purposes only.

Nothing on PilotRate constitutes financial advice, mortgage advice, legal advice, or any form of professional advisory service.

You should always consult a licensed mortgage professional, financial advisor, or legal counsel before making any financial decision, including purchasing a home or entering into a mortgage agreement.

The mortgage calculations provided by PilotRate are estimates based on the values you enter. Actual mortgage terms, rates, payments, and eligibility depend on many factors including lender policies, your credit history, and current market conditions.

Results from PilotRate may differ materially from actual mortgage products offered by lenders. Do not rely on these estimates as a substitute for a formal mortgage application or lender assessment.

By using PilotRate, you agree to:

• - Use the Service for lawful purposes only
• - Not attempt to interfere with the operation of the Service
• - Not reproduce, distribute, or commercially exploit content from the Service without permission
• - Take full responsibility for any decisions you make based on information from the Service

You may not use PilotRate to:

• - Violate any applicable laws or regulations
• - Scrape, crawl, or systematically extract data from the Service without authorization
• - Submit false, misleading, or harmful content through the contact form or AI chat
• - Attempt to gain unauthorized access to any part of the Service

All content on PilotRate, including text, calculations, design, and code, is the property of PilotRate and is protected by applicable intellectual property laws. You may not reproduce, modify, or distribute any content without explicit written permission.

To the fullest extent permitted by law, PilotRate and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service or reliance on any information provided.

This includes, without limitation, any financial losses arising from decisions made based on calculations or content provided by PilotRate.

We make no guarantee that the Service will be available at all times, error-free, or uninterrupted. We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

We may update these Terms of Service at any time. Continued use of PilotRate after changes are posted constitutes your acceptance of the revised terms. The "Last updated" date at the top of this page will reflect when changes were made.

These Terms of Service are governed by the laws of Canada. Any disputes arising from or relating to these terms or your use of the Service shall be resolved in accordance with Canadian law.

For questions about these Terms, please contact us at pilotlend@gmail.com