1. Acceptance of Terms
By accessing or using WikEst (the "Website," including all calculators, articles, and features), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree to any part of these terms, you should not use WikEst.
2. Description of Service
WikEst provides visitors with free educational information about U.S. residential real estate, mortgage products, and related financial topics. The Website includes:
- Interactive real estate calculators that run entirely in the user's browser.
- Written articles, guides, and explainers about real estate and mortgage topics.
- An editorial contact interface for submitting questions or corrections.
WikEst is provided for informational purposes only and does not offer professional real estate, legal, tax, financial, or brokerage services. See our Disclaimer for more details.
3. No Account Required
WikEst does not require you to create an account, choose a password, or provide an email address to use any of its calculators or read its articles. If you choose to submit a message through the contact form, the information you provide is handled according to our Privacy Policy.
4. Acceptable Use
By using WikEst, you agree that you will not:
- Use automated tools, bots, or scripts to access the Website in a way that overwhelms our infrastructure or violates our robots.txt policy.
- Attempt to reverse-engineer, modify, or redistribute any of the calculator logic or underlying code for commercial purposes.
- Use the Website to violate any law, regulation, or third-party right, including intellectual property, privacy, or data protection rights.
- Attempt to access restricted parts of the Website or compromise its security.
- Use the Website to distribute malware, spam, or other harmful content.
5. Intellectual Property
All original content published on WikEst — including articles, calculator logic, descriptions, charts, and site design — is the property of WikEst or its content contributors and is protected by applicable copyright laws.
Visitors may:
- Use the calculators for personal, non-commercial purposes.
- Print calculator results for personal reference.
- Share links to individual articles or calculator pages using standard social sharing or hyperlinks.
- Quote small portions of articles for review, criticism, or educational purposes, with attribution and a link back to the original page.
Visitors may not reproduce, republish, or redistribute substantial portions of WikEst content in any form without prior written permission. Reproduction of calculators in particular (including the underlying formula logic and input interfaces) is prohibited except with explicit consent.
6. User Submissions
If you submit a message, question, or correction through the contact form, you retain ownership of the content you submit. By submitting, you grant WikEst a non-exclusive, royalty-free right to:
- Store the message for up to 24 months for correspondence purposes.
- Use the content to investigate, respond to, or implement your feedback.
- Quote from the content (without identifying you by name) in internal editorial reviews if relevant.
7. Third-Party Content and Links
WikEst contains references and links to third-party websites and resources for informational purposes. These third-party resources are not under our control, and WikEst is not responsible for their content, privacy practices, or availability. The presence of a third-party link does not imply an endorsement unless the relationship is explicitly disclosed in our FTC Affiliate Disclosure.
8. Service Availability
WikEst is provided on an "as is" and "as available" basis. We do not guarantee that the Website will always be available, uninterrupted, or error-free. We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice.
9. Disclaimer of Warranties
The information on WikEst is provided for general educational purposes only. We do not make warranties, express or implied, about the accuracy, completeness, reliability, or suitability of the content for any particular purpose. For the full disclaimer, see our Disclaimer page.
10. Limitation of Liability
To the maximum extent permitted by law, WikEst and its operators, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of data, profits, savings, or goodwill arising from or related to your use of WikEst. This limitation applies regardless of the theory of liability.
11. Termination
We reserve the right to suspend or terminate access to WikEst for any visitor who violates these Terms of Service, engages in behavior that could harm WikEst or its users, or violates any applicable law. Termination may occur without prior notice where permitted.
12. Governing Law
These Terms of Service are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any dispute arising out of or relating to your use of WikEst shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.
13. Changes to These Terms
We may update these Terms of Service from time to time. Material changes will be noted by updating the "Updated" date at the top of this page. Your continued use of WikEst after changes become effective constitutes acceptance of the revised terms.
14. Contact
If you have questions about these Terms of Service, please contact us through our Contact Us page.