Terms of Use
This is an educational tool provided “as is,” without warranties. By using the site, you agree not to rely solely on estimates for financial decisions.
Limitation of Liability
We are not liable for any decisions made based on simulator outputs.
Educational Use
The simulator is provided “as is” for learning purposes. Outputs are directional estimates, not official credit scores or financial advice.
User Responsibilities
- Verify official scores with your provider before major applications.
- Do not misuse the tool or attempt to reverse engineer proprietary models.
- Report bugs responsibly via the Contact page.
Availability & Changes
We may update features or content without notice. By continuing to use the site after changes, you accept the updated terms.
Limitation of Liability
We are not liable for decisions made based on the simulator or articles. Use your own judgment and consult professionals for specific advice.
Updated 2025-10-06
Acceptable Use
Use the simulator for learning and planning. Do not attempt to reverse engineer proprietary models or submit harmful input.
Changes & Availability
We may update features, content, or availability at any time. Continuing to use the site after updates constitutes acceptance.
Contact
For questions about these terms, write everydayroyalties@gmail.com.
Updated 2025-10-06
Last updated: 2025-10-06
How to use these estimates responsibly in real life
The simulator is a planning tool, not a guarantee, so it's important to pair what you see here with your own judgment.
- Don't act on estimates alone. Always consider your broader financial picture before making big decisions.
- Stay within your means. Avoid taking on new credit or moving balances in ways that strain your budget.
- Consult professionals. For complex situations, licensed financial or housing counselors can offer guidance tailored to you.
Using the tool as one source of insight among many keeps it helpful instead of risky.
How to treat links to outside resources or tools
From time to time, this site may mention or link to external services that relate to credit or personal finance.
- Independent sites. Those services have their own terms, privacy policies, and risk levels.
- No guarantees. A mention is not a promise that a tool will approve you, raise your score, or be right for your situation.
- Do your own review. It's always wise to read reviews, policies, and fine print before signing up anywhere.
Treat external links as starting points for your research, not final recommendations.
Why this site can't replace personalized financial advice
Credit situations can be deeply individual, even when they look similar on paper.
- Different obligations. Two people with the same balances might have very different incomes and responsibilities.
- Different goals. One person may prioritize home ownership, another flexibility or debt freedom.
- Different risk comfort. Some people are comfortable with certain tradeoffs that others would never accept.
That's why the site is designed to educate and illustrate, while encouraging you to seek tailored guidance for big decisions.
How changes to these terms may be handled
As the site grows or new features are added, it may be necessary to adjust the terms from time to time.
- Review prompts. Visitors may be encouraged to review terms periodically for updates.
- Clear language. When changes are made, the goal is to keep the wording straightforward and readable.
- Ongoing fit. Updates are intended to reflect how the site actually functions in practice.
Continuing to use the site after changes usually means you accept the updated terms, so it's wise to skim them now and then.
Your role in interpreting and applying site information
Even the clearest explanation can't see your full financial picture, which is why your judgment matters.
- Double-check details. Confirm key facts with official sources before making big moves.
- Adapt to your context. Adjust general advice to fit your income, obligations, and risk comfort.
- Know your limits. If you're unsure about a major step, consider pausing to get another perspective.
You remain in charge of which ideas you use and how you use them.
Remembering that this site is educational in nature
The goal is to teach you how credit concepts work so you can make more informed choices.
- No guarantees. Following an idea here is not a promise of a specific score or approval.
- Use multiple sources. Pair what you learn here with insights from lenders, official agencies, and other trusted guides.
- Stay curious. When something isn't clear, treat it as a signal to ask more questions, not to give up.
Education gives you tools; how and when you use them is up to you.
How to treat external resources linked from this site
Occasionally, you may see links to tools or articles that live elsewhere on the web.
- Check the source. Consider who runs the linked site and what their goals might be.
- Skim before trusting. Read enough to see whether the information aligns with other reliable references.
- Return to your plan. Use outside resources to inform your strategy, not replace your own judgment.
Treat links as optional supplements, not automatic endorsements.