Terms & Conditions
Last updated: October 5, 2026
What this tool is
HELOC Cash Flow Planner is a planning and organization tool. It helps you manage your personal scenario based on the numbers you enter. It is not financial, investment, tax, or legal advice, and we are not licensed financial advisors. Nothing here creates an advisor-client relationship.
No advice
The planner shows estimates to help you think through your strategy. It does not tell you what to do, and it does not recommend any specific action. Any decision you make about your loan, your spending, or your money is yours alone. Before acting, do your own checking and talk to a qualified professional who knows your situation.
Estimates, not guarantees
Every number the planner shows, including interest, balance, and payoff dates, is an estimate based on what you enter. We do not guarantee the accuracy, completeness, or reliability of any calculation or output. Your actual loan terms, interest rate, daily balance, and payoff will depend on your lender, your account rules, and your real-world activity, which this tool cannot fully capture.
Use at your own risk
You use this tool at your own risk. We are not responsible for any loss, cost, or decision you make based on what the planner shows. Always verify important numbers against your own records and your lender's statements.
Your responsibility
You are responsible for the numbers you enter and for keeping your own accurate records. The tool is a helper, not a source of truth. Your lender's statements and your account agreements govern your actual loan.
No guarantee of results
We make no promise or guarantee about any outcome, including saving money, paying off your loan faster, or reaching any payoff date. Results depend on your habits, your loan terms, and factors outside this tool's control.
Changes to the tool
We may update, change, or remove features at any time. We will try to keep things working, but we do not promise the tool will always be available or unchanged.
Contact
If you have questions about these terms, you can reach out through the app. By using the planner, you accept these terms.