Financial Disclaimer & Legal Disclosures

HOMI TECHNOLOGIES LLC does not make loans, offer credit, or underwrite any financial product. We do not originate, fund, service, or guarantee any mortgage, personal loan, auto loan, or other lending product.

The HōMI platform does not connect users with lenders or serve as a loan marketplace. Any references to lending products, interest rates, or mortgage terms within the Service are for educational illustration only and do not represent an offer to lend or a guarantee of terms.

Users seeking financing should contact licensed lenders, mortgage brokers, or financial institutions directly.

All content, assessments, scores, tools, simulations, AI coaching outputs, and recommendations provided by HōMI are for educational and informational purposes only. They are designed to help users better understand their financial readiness and decision-making patterns.

HōMI does not provide:

• Financial planning or investment advice
• Tax advice or tax preparation services
• Legal advice or legal representation
• Credit repair or credit counseling services
• Insurance advice or brokerage
• Recommendations to purchase, sell, or hold any financial instrument

The HōMI-Score and Decision Readiness verdicts reflect patterns in user-provided data and should be considered one input among many in your decision-making process and never the sole basis for any financial decision.

All calculations, projections, and estimates provided by the HōMI platform are approximations based on the information you provide and publicly available data. These include but are not limited to:

• Mortgage payment estimates
• Debt-to-income ratio calculations
• Affordability analyses
• Savings projections
• Investment return simulations
• HōMI-Score readiness assessments

Actual results will vary based on individual circumstances, market conditions, lender requirements, and factors not captured by the platform. We make no guarantee as to the accuracy, completeness, or timeliness of any information provided.

Interest rates, property values, tax rates, insurance costs, and other financial variables used in our tools are estimates and may not reflect current market conditions or rates available to you.

A favorable HōMI-Score or “Ready” verdict does not guarantee that you will be approved for any loan, mortgage, or line of credit. Lending decisions are made by licensed financial institutions based on their own underwriting criteria, which may differ significantly from the factors assessed by HōMI.

Conversely, an unfavorable HōMI-Score does not mean you will be denied credit. The HōMI-Score is not a credit score and is not used by lenders in their decision-making process.

HOMI TECHNOLOGIES LLC bears no responsibility for any lending decisions made by third parties, regardless of whether the user utilized HōMI's tools in their preparation.

HOMI TECHNOLOGIES LLC is committed to the principles of fair housing and equal opportunity. Our platform does not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, or any other characteristic protected by federal, state, or local fair housing laws.

The HōMI-Score algorithm evaluates financial readiness factors only and does not consider any protected characteristics in its calculations. Our AI coaching models are regularly audited for bias to ensure equitable treatment across all user demographics.

If you believe you have experienced housing discrimination, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777 or online at hud.gov.

HOMI TECHNOLOGIES LLC does not engage in activities regulated under the Real Estate Settlement Procedures Act (RESPA). We do not:

• Provide settlement services or act as a settlement agent
• Accept referral fees or kickbacks from settlement service providers
• Require the use of any specific title company, appraiser, attorney, or other settlement service provider
• Serve as a conduit for lead generation on behalf of lenders or real estate professionals

Any educational content regarding real estate transactions, closing costs, or settlement procedures is provided for informational purposes only and does not constitute a referral or endorsement of any service provider.

HOMI TECHNOLOGIES LLC does not sell, rent, lease, or trade your personal financial data to any third party for any reason. This includes but is not limited to:

• Lenders or mortgage companies
• Insurance companies
• Data brokers or aggregators
• Marketing companies or advertisers
• Real estate agents or brokerages
• Credit bureaus or credit reporting agencies

Your financial information is used exclusively to power the HōMI platform's features and is protected by industry-standard security measures. For full details, see our Privacy Policy.

Financial calculations, tax estimates, insurance costs, and regulatory references within the HōMI platform are based on national averages and general guidelines. These may not reflect the specific laws, regulations, tax rates, or market conditions in your state, county, or municipality.

In particular, users should be aware that the following vary significantly by location:

• Property tax rates and assessment methods
• State income tax rates (or absence thereof)
• Homestead exemptions and property tax deductions
• Transfer taxes and recording fees
• Insurance requirements and costs
• Consumer protection laws and disclosures
• First-time homebuyer programs and assistance

Users should consult local professionals and government agencies for location-specific information relevant to their decisions.

The HōMI platform offers Monte Carlo simulation tools that generate probabilistic projections based on historical data and statistical modeling. These simulations are subject to the following limitations:

• Historical performance does not guarantee future results. Past market returns, interest rates, and economic conditions used in simulations may not be indicative of future outcomes.
• Simulations are probabilistic, not predictive. Results represent a range of possible outcomes based on statistical models, not certainties.
• Model assumptions may not reflect reality. Simulations use simplified models that may not capture all relevant variables, black swan events, or structural changes in financial markets.
• Input sensitivity: Small changes in input assumptions (inflation rate, return expectations, time horizon) can produce significantly different results.
• Not a substitute for professional planning. Monte Carlo results should inform but not replace comprehensive financial planning with a qualified professional.

The number of iterations, distribution assumptions, and confidence intervals used in HōMI's simulations are designed for educational clarity, not institutional-grade analysis.

HOMI TECHNOLOGIES LLC strongly recommends that all users consult with qualified, licensed professionals before making major financial decisions. These include but are not limited to:

• Certified Financial Planners (CFP): For comprehensive financial planning, investment strategy, and retirement planning
• Mortgage Loan Officers: For specific mortgage rates, terms, pre-approval, and loan options
• Certified Public Accountants (CPA): For tax planning, tax implications of financial decisions, and accounting matters
• Licensed Real Estate Attorneys: For legal review of contracts, title matters, and real estate transactions
• Licensed Insurance Agents: For appropriate insurance coverage, policy selection, and risk management
• Credit Counselors (NFCC-certified): For debt management, credit improvement strategies, and financial hardship guidance

HōMI is designed to complement, not replace, professional financial guidance. The Decision Readiness assessment can help you prepare informed questions and understand your financial position before engaging with professionals.