Terms of Service

1. Acceptance of Terms

By accessing and using HomTer (the "Website"), operated by Wet Ocean, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Website.

2. Description of Service

HomTer provides free, browser-based financial calculators and informational resources related to home ownership, renting, mortgages, currency conversion, inflation, and climate data. All calculator computations are performed locally in your browser.

3. No Financial Advice

The tools, calculators, and content on this Website are provided for informational and educational purposes only. Nothing on this Website constitutes financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions. See our Disclaimer for more details.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, or reliability of any content, calculations, or data provided on the Website. Exchange rates, inflation data, and climate data are sourced from third-party APIs and may be subject to delays or inaccuracies.

5. Use of the Website

You agree to use the Website only for lawful purposes. You agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Attempt to interfere with or disrupt the Website's operation
• Use automated tools to scrape, crawl, or extract data from the Website beyond normal usage
• Impersonate any person or entity in connection with your use of the Website

6. Intellectual Property

All content, design, graphics, and code on this Website are the property of Wet Ocean or its licensors and are protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Third-Party Links and Services

The Website may contain links to third-party websites or use third-party APIs. We are not responsible for the content, privacy practices, or availability of any third-party services. Your use of third-party services is governed by their respective terms and policies.

8. Limitation of Liability

To the fullest extent permitted by law, Wet Ocean and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Website, including but not limited to damages resulting from reliance on any information obtained through the Website.

9. Indemnification

You agree to indemnify and hold harmless Wet Ocean from any claims, losses, or damages arising from your use of the Website or violation of these Terms.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated revision date. Your continued use of the Website after changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Wet Ocean operates, without regard to its conflict of law provisions.

12. Contact

For questions about these Terms, please contact us at wetocean.com/contact.