Disclaimer

General Disclaimer

The information provided on HomTer, operated by Wet Ocean, is for general informational and educational purposes only. All content on this Website is provided in good faith. However, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Website.

Not Financial Advice

The Website and its tools — including the Rent vs. Buy Calculator, Mortgage Calculator, Affordability Calculator, Currency Converter, and Inflation Calculator — are not intended to provide financial, investment, legal, tax, or accounting advice. The calculations and results generated by these tools are estimates based on the inputs you provide and should not be relied upon as the sole basis for any financial decision.

You should always consult with a qualified financial advisor, mortgage broker, real estate professional, or other appropriate expert before making any significant financial decisions.

Third-Party Data

Some of our tools rely on data from third-party sources:

• Currency exchange rates are sourced from the European Central Bank via the Frankfurter API. Rates may be delayed and are not suitable for trading purposes.
• Inflation data is based on U.S. Bureau of Labor Statistics Consumer Price Index (CPI) data. Historical data is approximate and subject to revision.
• Climate data is sourced from the Open-Meteo Climate API using historical averages. Climate patterns can change and actual conditions may vary significantly.

We do not guarantee the accuracy, timeliness, or completeness of any data obtained from these third-party services.

No Professional Relationship

Use of this Website does not create a professional-client relationship between you and Wet Ocean. The Website is a self-service informational tool and does not substitute professional consultation.

External Links

The Website may contain links to external websites. These links are provided for convenience and informational purposes only. Wet Ocean does not endorse and is not responsible for the content, accuracy, or practices of any third-party websites.

Limitation of Liability

Under no circumstances shall Wet Ocean be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this Website.

No Affiliation

HomTer is independently owned and operated by Wet Ocean. No affiliation, endorsement, or association with any third-party brand, financial institution, or trademark is claimed or implied.

Contact

If you have questions about this Disclaimer, please contact us at wetocean.com/contact.