These Terms of Service ("Terms") govern your use of DSCRFormulas.com (the "Site"), operated by DSCR Formulas ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Description of Service

DSCRFormulas.com provides free online calculators, guides, and educational content related to Debt Service Coverage Ratio (DSCR) loans and real estate investment analysis. The Site is provided for informational and educational purposes only.

2. No Professional Advice

The Site does not provide financial, investment, legal, tax, or mortgage advice. All calculators, estimates, articles, and other content are for general educational purposes only and are not a substitute for advice from a qualified professional who knows your specific circumstances.

We are not a lender, mortgage broker, financial advisor, accountant, or attorney. Nothing on this Site creates a professional-client relationship. Always consult a licensed mortgage professional, financial advisor, CPA, or attorney before making any financial, investment, or tax decision.

3. Calculator Results Are Estimates

Results produced by our calculators are mathematical estimates based on the inputs you provide and publicly available formulas. Actual loan terms, qualification criteria, rates, and payments are determined solely by lenders and may differ materially from our estimates. We make no representation or warranty that any calculator result reflects what any lender will offer you.

4. Accuracy of Information

We work to keep our content accurate and current, but real estate, lending, and tax rules change frequently. We make no warranties or representations about the accuracy, completeness, reliability, or timeliness of any content on the Site. Any reliance you place on information from this Site is strictly at your own risk. Market data, rates, limits, and program details cited in our articles were accurate as of their publication date and may have changed.

5. Intellectual Property

All content on the Site — including text, calculators, code, design, and graphics — is owned by us or our licensors and is protected by copyright and other intellectual property laws. You may:

  • Use the calculators for your own personal or business analysis
  • Link to any page on the Site

You may not, without our prior written permission:

  • Republish, reproduce, or redistribute our articles or content commercially
  • Copy or scrape the Site's content or calculator code for use on another website
  • Frame the Site within another website
  • Remove or alter any copyright notices or disclaimers

6. Acceptable Use

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to interfere with the Site's operation, security, or infrastructure
  • Use automated tools to scrape, crawl, or bulk-download the Site beyond normal search-engine indexing
  • Misrepresent your identity or affiliation
  • Use the Site in any way that could damage our reputation or the experience of other users

7. Third-Party Links and Advertising

The Site may contain links to third-party websites and may display third-party advertisements (including through Google AdSense). We do not control and are not responsible for the content, products, services, or privacy practices of any third-party site or advertiser. Inclusion of a link or advertisement does not constitute an endorsement.

8. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR ANY RELIANCE ON ITS CONTENT — INCLUDING ANY FINANCIAL OR INVESTMENT DECISION MADE BASED ON CALCULATOR OUTPUTS OR ARTICLES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED AUD $100.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising from your use of the Site or your violation of these Terms.

11. Governing Law

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia.

12. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent revision. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms? Reach us through our contact page.

Disclaimer: DSCR Formulas provides educational tools and information only. We are not a lender, broker, financial advisor, or tax professional. Always consult qualified professionals before making financial, investment, or tax decisions.