Terms of Use

All content on this Site and in the Buy Right, Borrow Smart podcast — including articles, podcast episodes, videos, tools, calculators, and any other materials — is provided for general informational and educational purposes only. Nothing on this Site or in any podcast episode constitutes:

• Financial, investment, or mortgage advice
• Legal or tax advice
• A commitment to lend or an offer of credit
• A recommendation to buy, sell, or refinance any property

You should consult with a licensed mortgage professional, real estate attorney, financial advisor, or tax professional before making any financial or real estate decisions. Reliance on any information provided through our Services is solely at your own risk.

We make reasonable efforts to ensure that the information on our Site is accurate and up to date. However, mortgage guidelines, interest rates, real estate regulations, and market conditions change frequently. We make no warranty, express or implied, regarding the accuracy, completeness, or timeliness of any information on our Site. We are not responsible for errors or omissions, or for any actions taken in reliance on information provided through our Services.

All content on this Site, including but not limited to text, graphics, logos, podcast audio, video content, and software, is the property of Buy Right, Borrow Smart or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may access and use our content for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from our Services without our prior written consent.

When you submit a question, comment, or other content to us, including through the Ask page, you grant us a perpetual, worldwide, royalty-free license to use, reproduce, edit, excerpt, adapt, and broadcast that submission in any medium, including on the podcast, on YouTube, and on this Site. If we use your submission, we will attribute it by first name only.

You are not entitled to compensation for any use of your submission. We are under no obligation to use, respond to, or publish any submission, and we may decline or remove any submission at our discretion.

Do not submit confidential, proprietary, or sensitive personal information. Submissions may be read aloud and discussed publicly, so include only what you are comfortable having shared on the show.

We respect the intellectual property rights of others. If you believe that content on our Services infringes your copyright, you may send a takedown notice under the Digital Millennium Copyright Act to us at info@theeducatedhomebuyer.com.

Your notice must include:

• Identification of the copyrighted work you claim has been infringed
• Identification of the material you claim is infringing, with enough detail for us to locate it (such as a URL)
• Your name, mailing address, telephone number, and email address
• A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf
• Your physical or electronic signature

If material you posted was removed in response to a notice and you believe the removal was a mistake or misidentification, you may submit a counter-notice to the same agent containing the information required by 17 U.S.C. § 512(g).

Our Site may contain links to third-party websites, including podcast platforms, mortgage calculators, and other resources. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Linking to a third-party site does not imply our endorsement of that site or its content.

Our collection and use of personal information is described in our Privacy Policy, which is part of these Terms. California residents can exercise opt-out rights at Your Privacy Choices.

To the fullest extent permitted by applicable law, Buy Right, Borrow Smart, its hosts, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, our Services or any content therein — including but not limited to financial losses resulting from decisions made based on content published on this Site or in our podcast.

Our total liability to you for any claim arising from these Terms or your use of our Services shall not exceed one hundred dollars ($100).

You agree to indemnify, defend, and hold harmless Buy Right, Borrow Smart and its hosts, contributors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of our Services, your violation of these Terms, or your violation of any third-party rights.

We may suspend or terminate your access to the Services at any time, with or without notice, for any conduct that we believe violates these Terms, harms other users, or harms our Services. Sections of these Terms that by their nature should survive termination (including the submission license, intellectual property, limitation of liability, and indemnification provisions) will survive.

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Orange County, California.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding your use of the Services and supersede any prior agreements on that subject.

No Waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

We reserve the right to modify these Terms at any time. We will post the updated Terms on this page with a revised "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the updated Terms.