1. Introduction

Welcome to KeyBuildr (“we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please discontinue use of the site.

KeyBuildr provides educational content, calculators, tools, and resources related to home affordability, credit awareness, personal finance, and related topics.

2. No Financial, Legal, or Credit Advice

All content on KeyBuildr is provided for informational and educational purposes only.

• We are not a lender, credit bureau, financial advisor, mortgage broker, or legal advisor.
• Calculators, estimates, and simulations are illustrative only and may not reflect real-world results.
• You should always consult qualified professionals before making financial or credit decisions.

Your use of this site is at your own risk.

3. Affiliate Disclosure

KeyBuildr may contain affiliate links to third-party products or services.
If you click a link and take action (such as signing up or making a purchase), we may earn a commission at no additional cost to you.

Affiliate relationships do not influence our educational intent, but we cannot guarantee approval, pricing, or outcomes from third-party offers.

4. Eligibility

You must be at least 18 years old to use this website. By using KeyBuildr, you confirm that you meet this requirement.

5. User Responsibilities

You agree not to:

• Use the site for unlawful or fraudulent purposes
• Attempt to interfere with site functionality or security
• Scrape, copy, or redistribute content without permission
• Submit false, misleading, or harmful information

We reserve the right to restrict access if misuse is detected.

6. Intellectual Property

All content on KeyBuildr, including text, tools, layouts, branding, calculators, and design — is the intellectual property of KeyBuildr unless otherwise stated.

You may not reproduce, modify, or distribute content without written permission.

7. Third-Party Links

KeyBuildr may link to third-party websites. We do not control or endorse their content, policies, or practices and are not responsible for any damages arising from their use.

8. Limitation of Liability

To the fullest extent permitted by law:

• KeyBuildr is not liable for any losses, damages, or decisions made based on information from this site
• We make no guarantees regarding accuracy, availability, or outcomes
• Use of this website is entirely at your own risk

9. Changes to Terms

We may update these Terms at any time. Continued use of the site after changes means you accept the updated terms.

Privacy Policy

10. Information We Collect

We may collect:

• Personal information you voluntarily provide (such as email address via forms)
• Non-personal data such as browser type, device, pages visited, and referral sources
• Cookies and tracking technologies for analytics and performance

11. How We Use Information

Your information may be used to:

• Improve website functionality and user experience
• Send updates or content if you opt-in
• Analyze traffic and performance
• Display relevant offers or content

We do not sell personal data.

12. Cookies & Tracking

KeyBuildr uses cookies and similar technologies for:

• Website analytics
• Affiliate tracking
• Performance optimization

You can disable cookies in your browser settings, though some features may not function properly.

13. Third-Party Services

We may use third-party tools such as:

• Analytics providers
• Email marketing platforms
• Affiliate networks

These services have their own privacy policies, and we are not responsible for their data practices.

14. Data Security

We take reasonable steps to protect your information, but no online system is 100% secure. Use the site at your own discretion.

15. Children’s Information

KeyBuildr is not intended for children under 13, and we do not knowingly collect data from minors.

16. Your Rights

Depending on your location, you may have rights to:

• Access or request deletion of your data
• Opt out of email communications
• Control cookies via browser settings

17. Contact Information

If you have questions about these Terms or our Privacy Policy, please contact us through the website.