Terms of Service

1. Acceptance of Terms

By accessing or using SmallHomeBuyers.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We will update the "Last Updated" date at the top of this page when changes are made.

2. Educational Content Only -- Not Professional Advice

IMPORTANT DISCLAIMER: All content on SmallHomeBuyers.com is provided for general educational and informational purposes only. Nothing on this Site constitutes:

• Financial advice or investment advice
• Legal advice
• Real estate advice
• Mortgage or lending advice
• Tax advice

The information on this Site is not a substitute for professional advice tailored to your specific situation. Before making any financial, legal, or real estate decisions, you should consult with a licensed professional such as a mortgage lender, real estate attorney, financial advisor, or licensed real estate agent.

SmallHomeBuyers.com is not a licensed lender, mortgage broker, real estate agent, financial advisor, or attorney. We do not originate loans, facilitate real estate transactions, or provide personalized recommendations.

3. Affiliate Links & Sponsored Content

SmallHomeBuyers.com participates in affiliate marketing programs. We may earn a commission when you click on affiliate links and complete a qualifying action (such as submitting a loan application or making a purchase). This comes at no additional cost to you.

• All affiliate links are disclosed in accordance with FTC guidelines
• Sponsored content is clearly labeled as "Sponsored" or "Advertisement"
• Affiliate relationships do not influence our editorial ratings or recommendations
• We only promote products and services we believe are genuinely useful to first-time homebuyers

The presence of affiliate links does not constitute an endorsement of any specific product, lender, or service. You should independently evaluate any product or service before using it.

4. Accuracy of Information

We strive to provide accurate, up-to-date information. However, the home buying landscape changes frequently, including mortgage rates, loan program requirements, down payment assistance programs, and housing market conditions.

We make no warranties or representations regarding the accuracy, completeness, or timeliness of any content on this Site. Mortgage rates, loan limits, income limits, and program details referenced on this Site are for illustrative purposes and may not reflect current conditions. Always verify current information directly with lenders, government agencies, and other authoritative sources.

5. Intellectual Property

All content on SmallHomeBuyers.com -- including text, graphics, logos, images, guides, calculators, and other materials -- is owned by or licensed to SmallHomeBuyers.com and is protected by copyright and other intellectual property laws.

Permitted use: You may access and use our content for your personal, non-commercial use. You may share links to our content.

Prohibited use: You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without our prior written permission. This includes scraping our content for use in competing publications or AI training datasets.

6. User Conduct

When using our Site or submitting information through our forms, you agree not to:

• Submit false, misleading, or fraudulent information
• Use automated tools to scrape, crawl, or harvest content from our Site
• Attempt to gain unauthorized access to any part of our Site or systems
• Use our Site for any unlawful purpose
• Transmit spam, malware, or other harmful content through our contact forms
• Impersonate any person or entity

7. Third-Party Websites & Services

Our Site contains links to third-party websites, including mortgage lenders, real estate platforms, government agencies, and other resources. These links are provided for your convenience and do not constitute an endorsement of those sites or their content.

We have no control over third-party sites and are not responsible for their content, privacy practices, or terms of service. Your use of third-party sites is at your own risk and subject to their respective terms and policies.

8. Disclaimers & Limitation of Liability

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, SMALLHOMEBUYERS.COM AND ITS OWNERS, EMPLOYEES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, MISSED OPPORTUNITIES, OR DECISIONS MADE BASED ON INFORMATION FROM THIS SITE.

Our total liability to you for any claim arising from your use of the Site shall not exceed $100.

9. Indemnification

You agree to indemnify and hold harmless SmallHomeBuyers.com and its owners, employees, and contributors from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

10. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Texas, and you consent to the personal jurisdiction of such courts.

11. Contact

If you have questions about these Terms of Service, please contact us:

Email: [email protected] Website: https://smallhomebuyers.com/contact