Effective date: April 8, 2026
Welcome to FinCrib. These Terms of Service ("Terms") govern your access to and use of the FinCrib website, application, and services (collectively, the "Service") operated by FinCrib ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
By creating an account, accessing, or using FinCrib, you confirm that you are at least 18 years old and agree to comply with and be legally bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
FinCrib is a free homeowner financial analytics platform that helps users track home value estimates, mortgage details, home equity, property taxes, and refinance opportunities. The Service includes:
To access certain features, you must create an account. You agree to:
We reserve the right to suspend or terminate accounts that violate these Terms.
You agree not to:
This is important — please read carefully.
FinCrib is NOT a lender, mortgage broker, financial advisor, insurance agent, tax advisor, or licensed professional of any kind. We do not originate, fund, or service loans. We do not provide financial, investment, tax, insurance, or legal advice.
All mortgage rates, refinance savings estimates, equity calculations, home value estimates, and other financial information displayed on the Service are provided for informational and educational purposes only. Nothing on FinCrib constitutes a recommendation, endorsement, or solicitation to buy, sell, refinance, or take any specific financial action.
You should always consult with a qualified, licensed financial professional — such as a mortgage broker, financial advisor, tax professional, or attorney — before making any financial decisions based on information you see on FinCrib.
FinCrib uses artificial intelligence (powered by OpenAI GPT-4o) to analyze uploaded loan estimates and insurance declaration documents. While we strive for accuracy, AI-generated analysis may contain errors, omissions, or inaccuracies.
The data displayed on FinCrib — including home value estimates, mortgage rates, property tax figures, equity calculations, and savings projections — are estimates only and may not reflect actual market values, current rates, or your specific financial situation.
We make no warranty that any information on the Service is accurate, complete, or up-to-date.
FinCrib integrates with and relies on third-party services, including:
We do not control these third-party services and are not responsible for their accuracy, availability, or practices. Your use of the Service is also subject to the terms and privacy policies of these providers.
FinCrib may offer to connect you with third-party lenders, mortgage brokers, insurance providers, or other financial service providers. By opting in to such connections:
We will only share your information with partners with your explicit consent. We do not sell your personal data.
All content, design, code, logos, trademarks, and materials on FinCrib are owned by or licensed to us and are protected by intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any part of the Service without our prior written consent.
Your use of the Service does not grant you any ownership rights in the Service or its content.
To the maximum extent permitted by law:
You agree to indemnify, defend, and hold harmless FinCrib, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of any third party.
We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice. You may also delete your account at any time by contacting us. Upon termination, your right to use the Service ceases immediately, and we may delete your account data in accordance with our Privacy Policy.
We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on the Service and updating the effective date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of Michigan.
If you have any questions about these Terms, please contact us: