Please read this disclaimer carefully before using FinCrib. By using our Service, you acknowledge and agree to the following.
Not Financial, Tax, Insurance, or Legal Advice
FinCrib is an informational and educational tool designed to help homeowners understand their financial position. Nothing on FinCrib constitutes financial advice, tax advice, insurance advice, legal advice, or any other form of professional advice.
FinCrib is not a lender, mortgage broker, financial advisor, insurance agent, tax advisor, or attorney. We do not recommend specific financial products, strategies, or courses of action. Any decisions you make based on information from FinCrib are your sole responsibility.
Always consult a qualified, licensed professional before making financial, tax, insurance, or legal decisions.
AI Analysis Limitations
FinCrib uses artificial intelligence (OpenAI GPT-4o) to analyze uploaded loan estimates and insurance declaration documents. While this technology is powerful, it has inherent limitations:
- AI-generated results may contain errors, misinterpretations, or omissions
- AI analysis cannot account for all nuances of your specific financial situation
- Results are generated automatically and are not reviewed by a human professional
- AI analysis should be treated as a starting point, not a definitive conclusion
You should independently verify all AI-generated analysis with a qualified professional before acting on it.
Rate & Estimate Accuracy
All rates, values, and estimates displayed on FinCrib are approximations and may not be accurate or current:
- Home value estimates are sourced from Zillow and are algorithmic estimates — they are not appraisals and may differ significantly from actual market value
- Mortgage rates are sourced from Mortgage News Daily and represent market averages — the rate you qualify for may be higher or lower depending on your credit, income, and other factors
- Equity calculations are based on data you provide and standard amortization formulas — actual equity may differ
- Property tax data is sourced from public records and may not reflect your current or future tax obligations
- Refinance and HELOC projections are hypothetical scenarios based on assumed inputs
No Guarantee of Savings
FinCrib may display projected savings from refinancing, rate changes, or other financial scenarios. These projections are estimates only and do not guarantee that you will achieve any particular savings. Actual results depend on numerous factors including but not limited to your creditworthiness, current market conditions, closing costs, loan terms, and lender policies.
Lender Connections Are Referrals, Not Endorsements
When FinCrib connects you with third-party lenders, mortgage brokers, insurance providers, or other financial service providers:
- These connections are referrals only — they do not constitute an endorsement, recommendation, or guarantee of any partner's services
- FinCrib has not independently verified the quality, reliability, or suitability of any partner's products or services
- You are responsible for conducting your own due diligence before engaging with any partner
- Any agreements you enter into with third parties are solely between you and that party
- FinCrib may receive compensation for referrals, which could influence which partners are presented to you
Your Responsibility
You are solely responsible for your own financial decisions. By using FinCrib, you acknowledge that:
- You will not rely solely on FinCrib's information to make financial decisions
- You will seek independent professional advice when appropriate
- You understand the limitations of the data, estimates, and analysis provided
- FinCrib shall not be held liable for any financial losses or adverse outcomes resulting from your use of the Service
Contact Us
If you have questions about this disclaimer, please contact us:
📧 support@fincrib.com