Terms & Conditions

Effective date: July 17, 2026
Site: tnhomeiq.com (“TN Home IQ,” “we,” “us,” “our”)

1. Acceptance of Terms

By accessing or using tnhomeiq.com (the “Site”), including the buying power calculator (the “Calculator”) and any account features, you agree to these Terms & Conditions. If you do not agree, do not use the Site.

2. Description of Service

TN Home IQ provides a real estate buying power calculator and related tools intended to give general, educational estimates about home affordability, cash needed at closing, and related figures for Tennessee-based scenarios.

The Calculator's output is an estimate only. It is not a loan offer, pre-approval, pre-qualification, appraisal, or guarantee of any kind. It does not constitute financial, lending, tax, or legal advice. Actual mortgage terms, closing costs, taxes, and eligibility are determined by your lender, tax professional, and other licensed parties, and will differ from any figure produced by this Site. You should independently verify all figures before making any financial decision.

3. Accounts

If you create an account, you agree to:

• Provide accurate information (name, email, and optionally phone number)
• Keep your login credentials secure and not share your account
• Notify us if you believe your account has been compromised

You must be at least 18 years old to create an account. We may suspend or terminate accounts that violate these Terms.

4. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to other users' accounts or data
• Interfere with or disrupt the Site's operation (including scraping, automated abuse, or attempts to bypass rate limits or security controls)
• Misrepresent your identity or affiliation

5. Intellectual Property

All content, design, and code on the Site, excluding user-submitted data, are the property of TN Home IQ or its licensors. You may not copy, reproduce, or redistribute the Site's content without permission.

6. Third-Party Services

The Site relies on third-party providers (including but not limited to Supabase for authentication/data storage, Resend for transactional email, and Google Analytics for usage analytics). Your use of the Site is also subject to those providers' own terms where applicable.

7. Disclaimer of Warranties

The Site and Calculator are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, reliability, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted, error-free, or secure.

8. Limitation of Liability

To the fullest extent permitted by law, TN Home IQ is not liable for any indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site — including but not limited to financial decisions made based on Calculator output.

9. Indemnification

You agree to indemnify and hold TN Home IQ harmless from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms. We will update the “Effective date” above when changes are made.

11. Termination

We may suspend or terminate your access to the Site at any time, with or without cause, including for violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.

13. Contact

Questions about these Terms — email support coming soon.