Terms of service

Educational purposes only

All content, calculators, and tools on Wirly are provided for educational and informational purposes only. Nothing on this site constitutes financial advice, mortgage advice, or a recommendation to take any specific action.

Calculator results are estimates based on the inputs you provide and publicly available rate data. Actual rates, payments, and savings will vary based on your credit profile, loan-to-value ratio, property type, location, and the specific lender you choose. Always consult a licensed mortgage professional before making financial decisions.

Accuracy of information

Wirly makes reasonable efforts to ensure that the information on this site is accurate and up to date. Rate data is sourced from the Federal Reserve Economic Data (FRED) system and Freddie Mac. Lender information is based on publicly available data and is reviewed periodically.

However, we do not guarantee the accuracy, completeness, or timeliness of any information. Rates and lender terms change frequently, and information may be outdated between review cycles.

Affiliate relationships

Wirly may earn referral fees when you click links to lender partners and take certain actions. These relationships are disclosed on pages where affiliate links appear. For full details, see how we make money.

Not a lender or broker

Wirly is not a mortgage lender, mortgage broker, or financial institution. We do not originate, process, or fund loans. We do not collect loan applications. When you click through to a lender, you leave our site and interact directly with that lender under their own terms and privacy policies.

User responsibilities

You agree to:

• Use the site for lawful purposes only
• Provide accurate information in any forms you submit
• Not attempt to interfere with the operation of the site, its infrastructure, or its data
• Not scrape, copy, or republish content from the site without permission

Limitation of liability

Wirly is provided “as is” without warranties of any kind, express or implied. To the maximum extent permitted by law, Wirly and its operators shall not be liable for any damages arising from your use of the site, including but not limited to financial losses from decisions made based on information found here.

Intellectual property

All original content on Wirly, including text, calculator logic, design, and code, is the property of Wirly’s operators. You may not reproduce, distribute, or create derivative works from this content without written permission.

If you believe content on this site infringes your copyright, please contact us at our contact page with details of the alleged infringement.

Governing law

These terms are governed by the laws of the United States. Any disputes arising from these terms or your use of the site will be resolved in accordance with applicable federal and state law.

Changes to these terms

We may update these terms from time to time. Changes will be posted on this page with an updated date. Continued use of the site after changes constitutes acceptance of the updated terms.