Terms of service

Acceptance of terms

By using wirly.com (“Wirly,” “the site”), you agree to the following terms. If you do not agree, please do not use the site.

Description of service

Wirly provides educational mortgage refinance content, comparison tools, and calculators. Wirly is not a lender, mortgage broker, or financial advisor. We do not originate, process, or fund loans. We do not collect loan applications.

No financial advice

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. Users should consult licensed professionals before making financial decisions.

Calculator disclaimer

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. Calculator inputs stay in your browser and are not transmitted to Wirly or any third party.

Affiliate links

Some links on Wirly lead to third-party websites that compensate Wirly through referral fees. These relationships are disclosed on pages where affiliate links appear. Wirly is not responsible for third-party content, products, or services. For full details, see how we make money.

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 Rates and lender terms change frequently, and information may be outdated between review cycles.

Intellectual property

All original content on Wirly, including text, calculator logic, design, and code, is the property of Wirly's operators. Data sourced from government agencies is attributed per their respective terms. You may not reproduce, distribute, or create derivative works from this content without written permission.

User conduct

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. Use at your own risk.

Governing law

These terms are governed by the laws of the State of Colorado and applicable federal law. Any disputes arising from these terms or your use of the site will be resolved in accordance with Colorado 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 effective date. Continued use of the site after changes constitutes acceptance of the updated terms.