1) Acceptance of terms

These Terms of Service (“Terms”) govern your use of firstkeysguide.com and any content, calculators, tools, and downloads we offer (collectively, the “Service”). If you do not agree, do not use the Service.

These Terms incorporate our Privacy Policy and Disclaimer.

2) Eligibility & accounts

• You must be at least 13 years old (or the age required in your jurisdiction) to use the Service.
• If we offer account features now or in the future, you are responsible for safeguarding your login credentials and for all activity under your account.

3) License & ownership

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. All rights not expressly granted are reserved by FirstKeysGuide and its licensors.

Content & trademarks

• Text, designs, calculators, code, images, and downloadable files are protected by intellectual property laws.
• Do not reproduce, republish, mirror, or frame substantial portions of the Service without permission.
• “FirstKeysGuide” names and marks may not be used without our prior written consent.

4) User content & feedback

If you send us feedback, suggestions, or corrections, you grant FirstKeysGuide a worldwide, royalty-free, perpetual license to use and incorporate them without obligation to you.

Do not submit confidential, sensitive, or third-party materials you lack rights to share.

5) Acceptable use

You agree not to:

• Use the Service for unlawful, deceptive, or harmful purposes.
• Scrape, spider, or harvest data except via public RSS/feeds we provide.
• Reverse engineer, copy, or create derivative works from our calculators or downloads beyond personal use.
• Upload or link malware, exploit vulnerabilities, or interfere with operation or security.
• Impersonate others or misrepresent your affiliation with FirstKeysGuide.

6) Calculators, checklists & no professional advice

Our calculators and tools provide estimates for educational purposes only. They are not financial, mortgage, legal, accounting, or tax advice and may not reflect your lender’s underwriting, pricing, or closing disclosures.

Always confirm specifics with qualified professionals and your lender. See our Disclaimer for details.

7) Third-party links & services

The Service may reference or link to third-party websites, tools, or services. We do not control and are not responsible for their content, policies, or performance.

8) Changes to the Service

We may modify, suspend, or discontinue any part of the Service at any time without notice. We do not guarantee uptime or availability.

9) Warranty disclaimer

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free.

10) Limitation of liability

To the maximum extent permitted by law, FirstKeysGuide and its contributors are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, or use, arising from or related to your use of the Service.

Our aggregate liability for any claim is limited to the greater of (a) the amounts you paid to us in the 12 months before the claim (if any) or (b) USD $50.

11) Indemnification

You agree to defend, indemnify, and hold harmless FirstKeysGuide and its contributors from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Service or breach of these Terms.

12) Intellectual property concerns

If you believe material on the Service infringes your rights, contact us with details (URL, description of the work, your contact info, and a statement of good-faith belief). We may remove or restrict content at our discretion.

13) Termination

We may suspend or terminate your access to the Service at any time, including if we reasonably believe you have violated these Terms.

14) Governing law & venue

These Terms are governed by the laws of the United States of America, including applicable federal statutes and regulations. Where federal law does not preempt, the laws of your state, province, or territory of residence apply, without regard to conflict-of-laws rules.

Any claim or dispute that is not resolved informally may be brought in a court of competent jurisdiction within the United States that has authority over the parties and subject matter. You and FirstKeysGuide consent to such courts’ jurisdiction.

15) Changes to these Terms

We may update these Terms from time to time. Material changes will be noted here. Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

Effective date: September 3, 2025 • Last updated: September 3, 2025

16) Contact

Questions about these Terms? Visit our Contact page.