Shouldirefi.app — Terms of Service

Last updated: July 9, 2026

These Terms of Service (the "Terms") govern your access to and use of the website located at shouldirefi.app and any related tools, content, and services (collectively, the "Service"). The Service is operated by [OPERATOR LEGAL ENTITY NAME] ("Shouldirefi," "we," "us," or "our"). By creating an account, clicking a button indicating acceptance, or using the Service in any way, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and able to form a binding contract under the laws of your jurisdiction to use the Service. By using the Service, you represent that you meet these requirements and that any information you provide about yourself or your loans is accurate and your own (or that you are authorized to provide it).

2. What the Service Is — and Is Not

Shouldirefi.app provides software tools that help you compare your existing loan or mortgage against hypothetical refinance scenarios you supply or that we estimate. The Service produces informational outputs such as estimated monthly payments, break-even points, total interest, and similar calculations.

THE SERVICE IS NOT A LENDER, MORTGAGE BROKER, LOAN ORIGINATOR, FINANCIAL ADVISOR, TAX ADVISOR, ACCOUNTANT, OR ATTORNEY. Nothing produced by the Service is a loan offer, a commitment to lend, pre-qualification, pre-approval, or personalized financial, legal, or tax advice. Calculations are estimates based on the inputs and assumptions provided and may differ materially from the actual terms a lender would offer you.

You are solely responsible for any financial decision you make. Before refinancing, consolidating, or otherwise changing a loan, you should consult a qualified, licensed professional and rely on the official disclosures provided by a lender.

3. Lender Inquiries, Compensation, and How Partners Are Presented

If you choose to submit a Get Rates inquiry, you authorize us to share the information you provide — as described in Section 7 of our Privacy Policy — with one or more third-party lenders or loan brokers (each, a "Partner") so they can contact you about loan products. This happens only when you submit the form after checking each consent box; it never happens in the background.

Partners are independent businesses. Their products, rates, fees, eligibility criteria, underwriting decisions, privacy practices, and customer service are entirely their responsibility. Any loan you obtain from a Partner is governed by that Partner's own application, disclosures, and loan agreement — not by these Terms. Each Partner must accept our Marketplace Partner Terms before its account is activated; those terms prohibit reselling your information and restrict its use to responding to your inquiry.

Compensation. Partners pay us a flat, pre-set fee for each inquiry they receive. For mortgage-secured products (refinances, home equity loans, and HELOCs), that fee is never contingent on whether a loan is offered, approved, funded, or closed, and we never accept compensation tied to a funded mortgage loan. Compensation does not change the calculations we show you based on the inputs you provide.

Presentation. Wherever Partners are listed in the Service, they are ordered by borrower survey scores, with alphabetical order as the tiebreaker and for Partners without scores. Ordering is never based on how much a Partner pays us. The Service is not a comprehensive marketplace of all lenders.

Availability. The Get Rates tool is available only in states where we are permitted to operate it.

4. Accounts

Some features require an account. You agree to provide accurate information, to keep your credentials confidential, and to be responsible for all activity that occurs under your account. Notify us promptly at the contact address below if you suspect unauthorized access.

We may suspend or terminate accounts that we reasonably believe are being used to violate these Terms, to defraud us or a Partner, or to harm other users.

5. Pro Subscription, Payments, and Refunds

Certain features are available only with a paid subscription ("Pro"). Payments are processed by our third-party payment processor (currently Stripe). By subscribing, you authorize us and the processor to charge your chosen payment method the listed price plus any applicable taxes on a recurring basis at the interval shown at checkout (monthly or annual) until you cancel.

You may cancel at any time online from the account menu inside the Service; cancellation takes effect at the end of the current billing period — you keep Pro access until then and are not charged again. Unless otherwise required by law or expressly stated at the time of purchase, payments are non-refundable. For annual subscriptions, we (or Stripe on our behalf) will send you a reminder before your renewal date.

We may change prices or features for future billing periods. If we do, we will give you advance notice and an opportunity to cancel before the change takes effect.

6. Referral Program

The Refer & Earn program pays commissions only on Shouldirefi.app subscription revenue, as described in Section 16 of the Privacy Policy and the program rules shown on the Earn pages. Earnings figures shown anywhere in the Service are hypothetical illustrations, not typical results, and are not a promise of earnings; most participants earn little or nothing. We may modify or end the program prospectively at any time. Referral payouts may require a completed IRS Form W-9, and payouts totaling $600 or more in a calendar year are reported to the IRS as required by law.

7. Acceptable Use

You agree not to:

8. Intellectual Property

The Service, including its software, design, text, graphics, calculations, and logos, is owned by Shouldirefi or its licensors and is protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial evaluation of your own loan options.

You retain ownership of the loan and financial information you input. You grant us a worldwide, royalty-free license to host, process, transmit, and display that content as needed to operate the Service, support your account, and forward inquiries to Partners as you direct. We may also use de-identified, aggregated data derived from your use to improve and analyze the Service.

9. Copyright Complaints (DMCA)

We respect intellectual-property rights and expect users and content creators to do the same.

If you believe content on the Service infringes your copyright, send a notice to our designated agent at [email protected] (subject line "DMCA Notice") [DESIGNATED AGENT NAME AND ADDRESS — register at copyright.gov] including: (a) identification of the copyrighted work; (b) identification and location (URL) of the allegedly infringing material; (c) your contact information; (d) a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; (e) a statement, under penalty of perjury, that the notice is accurate and that you are the owner or authorized to act for the owner; and (f) your physical or electronic signature.

If your content was removed and you believe that was a mistake, you may send a counter-notice with the elements required by 17 U.S.C. § 512(g)(3). We terminate the accounts of repeat infringers in appropriate circumstances.

10. Privacy

Our handling of personal information — including the circumstances in which submitting a Get Rates inquiry results in the sale of that inquiry to a lending partner — is described in our Privacy Policy at shouldirefi.app/privacy, which is incorporated into these Terms by reference.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT CALCULATIONS, ESTIMATES, RATES, OR SAVINGS FIGURES WILL BE ACCURATE OR ACHIEVABLE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL SHOULDIREFI, ITS OWNER, OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE — INCLUDING ANY LOAN DECISION YOU MAKE BASED ON OUTPUTS OF THE SERVICE OR ANY CONDUCT OF A PARTNER.

OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IN ANY TWELVE-MONTH PERIOD WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THAT PERIOD OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS, THESE LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED.

13. Indemnification

You agree to defend, indemnify, and hold harmless Shouldirefi and its owner from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) information you submitted, including any inquiry forwarded to a Partner, or (c) your violation of these Terms or of any law or third-party right.

14. Termination

You may stop using the Service at any time and may delete your account from your account settings or by contacting us. We may suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms or if we discontinue the Service. Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive. Certain inquiry and consent records are retained after account deletion as described in Section 8 of the Privacy Policy.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. You and Shouldirefi agree that any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction there — except that (a) either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual-property rights, and (b) you may bring an individual claim in the small-claims court for your county of residence if it qualifies.

You and Shouldirefi each waive any right to a jury trial and agree that any dispute will be brought in an individual capacity only, and not as a plaintiff or class member in any purported class or representative proceeding, to the maximum extent permitted by law. If the law of your state of residence does not permit a provision of this Section to be enforced against you, that provision does not apply to you and the rest of these Terms remains in effect.

16. Changes to the Terms

We may update these Terms from time to time. If we make a material change, we will update the "Last updated" date above and, where appropriate, give you additional notice (for example, by email or an in-app notice). Continued use of the Service after a change takes effect means you accept the updated Terms.

17. Miscellaneous

These Terms, together with the Privacy Policy and any pricing or order page you accept, are the entire agreement between you and Shouldirefi regarding the Service. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver of our right to do so later. You may not assign these Terms without our written consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

18. Contact

Questions about these Terms? Contact us at [email protected].