HōMI
Will you be okay?
Decision Readiness ScoreThreshold Compass
- READY
- ALMOST THERE
- BUILD FIRST
- DO NOT PROCEED
Educational guidance only. HōMI explains the Decision Readiness Score. It does not approve a loan, a lease, or a purchase.
Terms · Prelaunch
The product rules we can state now.
HōMI is keeping settled product policy separate from legal clauses that still require counsel.
01
Status of this draft
This page records the product terms HōMI can state from current founder policy and shipped behavior. It is not yet final counsel-reviewed Terms of Service.
Governing law, venue, arbitration, class-action language, liability caps, indemnification, statutory disclosures, and other counsel-only clauses are intentionally not fabricated in this prelaunch draft.
02
Eligibility and launch market
HōMI Consumer Core v1 is being prepared for United States consumers age 18 and older.
The 18+ rule is a product eligibility requirement. HōMI does not currently claim that age is technically verified through an identity-verification service.
03
What HōMI provides
HōMI is Decision Readiness Intelligence™. It provides educational guidance about readiness before a major decision.
HōMI is not a lender, mortgage broker, registered investment adviser, credit bureau, real estate agent or brokerage, financial planner, bank or deposit institution, insurer, tax adviser, attorney, or product recommendation engine.
A Decision Readiness result is not a credit score, loan approval, underwriting decision, eligibility determination, lender decision, legal or tax advice, guarantee, or forecast. The Threshold Compass shows a Decision Readiness Score. Verdicts stay named: READY, ALMOST THERE, BUILD FIRST, and DO NOT PROCEED.
04
Decision Readiness and AI
Deterministic code calculates the Decision Readiness Score, pillar values, hard stops, official verdict, and money figures. AI may explain permitted outputs but does not calculate or override them.
Path may explain what is carrying a result and when reassessment may be useful. Evidence changes do not silently rewrite an existing official Decision Readiness result.
05
Subscription and cancellation
HōMI is subscription-only. Paid consumer plans renew monthly until canceled. The checkout surface and billing account are the source of truth for the selected plan and current price.
Members with a linked Stripe customer may cancel through the Stripe Customer Portal. Product policy is that cancellation stops future renewal and access continues through the paid billing period unless Stripe or a legally required remedy dictates otherwise.
Subscription tier must not change Decision Readiness scoring math, verdict bands, hard stops, evidence truth, or Threshold Compass interpretation.
06
Refund product policy
Founder product policy is that HōMI does not provide prorated refunds for unused portions of a monthly subscription. HōMI may correct duplicate charges, billing errors, or other payment mistakes, and refunds required by applicable law are honored.
A support exception does not create a general refund entitlement. This refund wording remains specifically marked for counsel review before HōMI calls these Terms final.
07
Partner sharing
Partner readiness sharing is dark by default. HōMI does not provide a public readiness directory, public partner lookup endpoint, or lender-facing Decision Readiness Score API.
A readiness share must be initiated or explicitly authorized by the member. Partner access is educational readiness context, not approval, denial, eligibility, or underwriting.
08
Incentives
HōMI is zero-affiliate. HōMI does not earn referral fees, commissions, lender compensation, brokerage compensation, or product-placement compensation because a member proceeds with a decision.
09
Accounts and current deletion controls
Members are responsible for using their account credentials appropriately. Current product truth is that self-service account deletion and Companion message deletion are not shipped.
Access, correction, or deletion requests may be sent to info@homitechnology.com.
10
Clauses still requiring counsel
The final Terms still require review or decisions covering the headings below. Each heading is unwritten. HōMI will not present generic boilerplate as founder-approved law simply to make this prelaunch page look complete.
Governing law and venue
Unwritten. This draft does not choose a law or a venue.
Arbitration and class-action waiver
Unwritten. This draft does not add that waiver or an arbitration term.
Liability caps and warranty disclaimer detail
Unwritten. This draft does not set a damages limit or a warranty formula.
Indemnification
Unwritten. This draft does not impose an indemnity.
Jurisdiction-specific statutory consumer disclosures
Unwritten until counsel identifies the disclosures this product must make.
Exact legal retention periods
Unwritten. HōMI does not promise a retention duration on this page.
11
Contact and changes
Questions about these prelaunch product terms may be sent to info@homitechnology.com. Read this with the Privacy draft.
HōMI may update Terms by posting revised text and updating the effective or last-updated date. Material changes affecting member rights, data use, or subscription obligations should receive additional notice when operationally available and legally appropriate.