1. General Nature of Information
WikEst is an independent publishing platform that provides educational information about U.S. residential real estate, mortgages, and related financial topics. The content on this site — including every calculator result, guide, article, and data visualization — is intended for general informational purposes only. It is not a substitute for professional advice tailored to your specific situation.
2. Not Financial, Legal, or Tax Advice
Nothing published on WikEst constitutes personalized financial advice, legal advice, tax advice, accounting advice, or real estate brokerage services. Specifically:
- WikEst is not a registered investment adviser, broker-dealer, or futures commission merchant with the U.S. Securities and Exchange Commission (SEC) or the Commodity Futures Trading Commission (CFTC).
- WikEst is not a law firm and does not provide legal opinions, contract reviews, or regulatory interpretation services.
- WikEst is not a tax preparation service and does not file tax returns on behalf of readers.
- WikEst does not act as a real estate agent, broker, appraiser, mortgage loan originator, or title insurance agent.
3. Calculator Results Are Estimates Only
Every calculator on WikEst is a simplified modeling tool that uses a limited set of user-input variables and publicly available market data to produce illustrative numbers. Calculators do not account for every factor that can affect a real estate or mortgage outcome, including but not limited to:
- Your personal credit profile, debt-to-income ratio, or loan-to-value ratio as evaluated by a specific lender.
- State, county, and local property tax rules that may vary from the generalized defaults used in each calculator.
- Private mortgage insurance (PMI), mortgage insurance premiums (MIP), or VA funding fee calculations that depend on your specific loan type and down payment.
- HOA fees, special assessments, and utility costs that are unique to a particular property or development.
- Future changes in interest rates, home values, or tax law that cannot be predicted.
All calculator results should be treated as rough starting points for your own research, not as final numbers on which to base a purchase, refinance, or investment decision.
4. No Guarantee of Accuracy or Completeness
WikEst makes reasonable efforts to keep its data and calculations current and correct. However, real estate markets, mortgage rates, tax rules, and regulations change frequently, and WikEst cannot guarantee that any piece of information on the site is error-free, complete, or current at the moment you access it.
Market data, interest rates, and median home price figures are historical or survey-based and may not reflect actual current conditions in your specific ZIP code, county, or metropolitan area.
5. No Endorsement of Third Parties
WikEst may reference or link to third-party websites, government agencies, industry organizations, or research providers. These references are included for informational purposes and do not constitute an endorsement, recommendation, or affiliation unless the relationship is explicitly disclosed on our FTC Affiliate Disclosure page.
Readers are responsible for evaluating the accuracy, reliability, and suitability of any third-party information or service they encounter through WikEst.
6. Reader Responsibility
By using WikEst, you acknowledge that you are solely responsible for your own real estate and financial decisions. You agree to:
- Consult qualified, licensed professionals before making any financial, legal, tax, or real estate decision based on information from WikEst.
- Verify any information you rely on with a primary official source before acting on it.
- Understand that the use of WikEst content does not create an adviser-client, fiduciary, or agency relationship between you and WikEst.
7. Limitation of Liability
To the maximum extent permitted by applicable law, WikEst and its operators, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, savings, goodwill, or data, arising from or related to your use of WikEst content or calculators.
This limitation of liability applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if you have been advised of the possibility of such damages.
8. YMYL (Your Money or Your Life) Content
The U.S. Federal Trade Commission (FTC) and other regulators classify information about finances, health, and safety as "Your Money or Your Life" (YMYL) content because errors in these areas can cause serious harm. WikEst recognizes this responsibility and maintains strict editorial and compliance standards for all YMYL material published on this site, including:
- A clear disclaimer attached to every financial calculator and guide.
- A prohibition on personalized advice telling a reader what they "should" do.
- Independent fact-checking and legal review before publication.
- Prompt corrections when errors are identified.
9. Changes to This Disclaimer
This Disclaimer may be updated periodically to reflect changes in our editorial practices, regulatory requirements, or business structure. Material changes are noted at the top of this page with a revised "Updated" date. Readers are encouraged to review this page regularly for the most current version.
10. Questions
If you have questions about this Disclaimer or how WikEst content is produced, please contact us through our Contact Us page.