By accessing or using the FirstHomeAI website and services at www.firsthomeai.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.
These Terms constitute a legally binding agreement between you and FirstHomeAI, LLC ("FirstHomeAI," "we," "us," or "our").
FirstHomeAI provides a free online homeownership readiness assessment tool designed to help first-time homebuyers understand their financial preparedness for purchasing a home.
FirstHomeAI is NOT:
Our Service provides EDUCATIONAL INFORMATION ONLY and does not constitute financial, legal, tax, or professional advice.
You must be at least 18 years old and a legal resident of the United States to use our Service. By using our Service, you represent and warrant that you meet these eligibility requirements.
You agree to provide accurate, current, and complete information when using our Service. We are not responsible for any inaccuracies in your results caused by inaccurate information you provide.
You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree NOT to:
If we provide you with a magic link or other access credential, you are responsible for maintaining the confidentiality of that access and for all activities that occur under your access.
IMPORTANT DISCLAIMER:
THE SERVICE IS PROVIDED FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. YOUR READINESS SCORE, DPA ELIGIBILITY ESTIMATE, BUYING POWER ESTIMATE, AND ALL OTHER RESULTS ARE ESTIMATES BASED ON THE INFORMATION YOU PROVIDED AND DO NOT GUARANTEE:
FIRSTHOMEAI DOES NOT PROVIDE FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE. The information provided through our Service should not be relied upon as a substitute for consultation with qualified professionals. Always consult with a licensed mortgage professional, financial advisor, tax professional, or attorney before making financial decisions.
We do not guarantee that:
Our Service may contain links to third-party websites or resources. We are not responsible for the content, products, or services offered by third parties. Your use of third-party websites is at your own risk.
FirstHomeAI may refer you to mortgage lender partners and receive compensation for qualified referrals. Key terms:
For detailed disclosure, see our Affiliate Disclosures page.
If you choose to connect with a lender partner:
Referral to a lender partner does NOT constitute an endorsement or guarantee of that lender's products, services, rates, or terms.
The Service, including all content, features, functionality, software, algorithms, text, graphics, logos, and trademarks, is owned by FirstHomeAI and protected by United States and international copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes, subject to these Terms.
You may NOT:
By submitting information through our survey, you grant FirstHomeAI a worldwide, non-exclusive, royalty-free license to use, process, and store your information for the purposes described in our Privacy Policy.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIRSTHOMEAI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIRSTHOMEAI'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) TEN DOLLARS ($10).
You agree to indemnify, defend, and hold harmless FirstHomeAI, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney's fees) arising from:
Before filing a formal legal claim, you agree to contact us at support@firsthomeai.com (Subject: "Legal Dispute") to attempt to resolve any dispute informally. We will try to resolve the dispute within 60 days.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal action or proceeding arising out of these Terms shall be brought exclusively in the state or federal courts located in Texas.
We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.
We may update these Terms from time to time. If we make material changes, we will notify you by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Service after any changes indicates your acceptance of the updated Terms.
We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and FirstHomeAI regarding the Service.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or any other provision.
You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and FirstHomeAI.
If you have questions about these Terms, please contact us:
FirstHomeAI, LLC
Email: support@firsthomeai.com
For Legal/Terms Questions: Subject Line: "Legal Inquiry"