1. Acceptance of Terms

By accessing and using ZoningLabs ("the Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

ZoningLabs provides online financial calculators, including mortgage and HELOC calculators, along with educational content related to real estate and financing. These tools are for informational purposes only and should not be considered as financial advice.

3. Disclaimer of Warranties

The information and calculations provided on this website are for educational and informational purposes only. We make no warranties or representations regarding:

• The accuracy, completeness, or reliability of calculations
• The suitability of information for your particular circumstances
• The availability or uninterrupted access to our services
• The security of information transmitted through our website

Important: Always consult with qualified financial advisors, mortgage brokers, or other professionals before making financial decisions.

4. Use of Calculators

Our calculators provide estimates based on the information you input. Please note:

• Results are approximations and may not reflect actual loan terms
• Calculations do not include all possible fees, taxes, or insurance
• Interest rates and loan terms vary by lender and individual circumstances
• Calculator results do not constitute a loan offer or commitment

5. User Conduct

You agree not to:

• Use the website for any unlawful purpose or to solicit illegal activities
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website's operation
• Transmit viruses, malware, or other harmful code
• Scrape or harvest data from our website without permission
• Misrepresent your identity or affiliation

6. Intellectual Property

All content on this website, including text, graphics, logos, calculators, and software, is the property of ZoningLabs or its content suppliers and is protected by intellectual property laws. You may not:

• Copy, reproduce, or distribute content without permission
• Modify or create derivative works from our content
• Use our content for commercial purposes without license
• Remove copyright or proprietary notices

7. Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your information.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk and subject to their terms and policies.

9. Limitation of Liability

To the fullest extent permitted by law, ZoningLabs and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your use or inability to use our services
• Errors, mistakes, or inaccuracies in content or calculations
• Personal injury or property damage related to your use of the website

10. Indemnification

You agree to defend, indemnify, and hold harmless ZoningLabs and its affiliates from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

• Your use of and access to the website
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any content you submit or share through our website

11. Modifications to Service

We reserve the right to modify or discontinue, temporarily or permanently, the website or any features or portions thereof without prior notice. You agree that we will not be liable for any modification, suspension, or discontinuance of the website.

12. Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Service.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

15. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new Terms of Service on this page. Your continued use of the website after changes constitutes acceptance of the new terms.

16. Contact Information

For questions about these Terms of Service, please contact us at: