Terms of Use

1. Agreement to These Terms

These Terms of Use (the “Terms”) govern your use of the LoanGuru website, calculators, quote tools, forms, content, and related resources (collectively, the “Services”) provided by LoanGuru Mortgage LLC(“LoanGuru,” “we,” “our,” or “us”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

2. Permitted Use

You may use the publicly available Services for lawful personal purposes, including learning about mortgage options, using our calculators, requesting quotes or information, and contacting LoanGuru. Information submitted through a form must be accurate and must relate to you or to a person you are authorized to represent.

3. API and Service Authorization

Use of any LoanGuru API, endpoint, data feed, integration, software, or other Service without LoanGuru’s prior written approval is strictly prohibited, except for ordinary access to the public website through its intended user interface.

Without that approval, you may not discover, access, scrape, crawl, probe, reverse engineer, copy, resell, redistribute, or build on any non-public API or Service, or bypass authentication, rate limits, access controls, or usage restrictions. We may block or suspend access and pursue any remedies available to us for unauthorized use.

4. Prohibited Conduct

You may not use the Services to violate any law or regulation, infringe another person’s rights, submit malicious code, interfere with the Services, impersonate another person, submit information without authorization, or attempt to gain unauthorized access to any system, endpoint, or data.

5. Mortgage Information and No Commitment to Lend

Information, rates, payments, fees, and other figures displayed through the Services are for informational and illustrative purposes only. They may change and are not an offer, approval, commitment to lend, or guarantee of terms. A loan is subject to applicable underwriting, documentation, property, credit, and lender requirements. You should consult qualified professionals about your financial and legal decisions.

6. Intellectual Property

The Services and their content, including software, text, graphics, logos, and designs, are owned by or licensed to LoanGuru and are protected by applicable intellectual-property laws. Except as expressly permitted in these Terms or in writing by LoanGuru, you may not reproduce, modify, distribute, display, or create derivative works from the Services or their content.

7. Privacy and Third-Party Services

Our Privacy Policy explains how we collect, use, and protect personal information. The Services may link to or rely on third-party websites, lenders, portals, platforms, or providers. We are not responsible for third-party content, policies, availability, or practices, and your use of those services may be subject to their own terms. This includes any external prequalification, client portal, scheduling, or home-value-report service linked from the website.

8. Disclaimers

The Services are provided on an “as is” and “as available” basis to the fullest extent permitted by law. We do not warrant that the Services will be uninterrupted, secure, error-free, or complete, or that results obtained from them will be accurate or reliable.

9. Limitation of Liability

To the fullest extent permitted by law, LoanGuru and its officers, employees, agents, and providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, data, business, or opportunities, arising from or related to your use of or inability to use the Services.

10. Indemnification

You agree to defend, indemnify, and hold harmless LoanGuru and its officers, employees, agents, and providers from claims, damages, losses, liabilities, costs, and expenses arising from your use of the Services, your violation of these Terms, or your violation of another person’s rights or applicable law.

11. Changes and Service Availability

We may modify these Terms or the Services from time to time. The updated Terms will be posted on this page with a revised effective date. We may change, pause, discontinue, or limit all or part of the website or its features, and may refuse requests or restrict technical access where reasonably necessary to enforce these Terms, protect the Services, our users, or our business, or comply with applicable law. This does not create an obligation to maintain any particular feature or level of availability.

12. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules, except where applicable law requires otherwise.

13. Contact Us

Questions about these Terms may be directed to: