Terms of Use

Please read these Terms of Use carefully before using Home Expense Lab. By accessing or using homeexpenselab.com, you agree to be bound by these terms. If you do not agree, please do not use the site.

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and Home Expense Lab / Norris Engineering Solutions LLC (“we,” “us,” or “our”). We may update these terms at any time. Continued use of the site after any changes constitutes your acceptance of the updated terms.

2. Informational Purpose Only

Our calculators use general assumptions and national averages. Results are estimates only and may not reflect your actual situation. Actual costs, savings, payoff timelines, and financial outcomes will vary based on individual circumstances.

3. Use of Calculators and Tools

You may use our free calculators and tools for personal, non-commercial purposes subject to these terms. You agree not to:

• Scrape, copy, or reproduce calculator code, output, or content for commercial purposes without written permission
• Use automated bots or scripts to access or interact with our tools
• Attempt to reverse-engineer, modify, or exploit any tool or feature on the site
• Use the site for any unlawful purpose or in any way that violates applicable law

4. Email and Communications

If you provide your email address to receive a checklist, calculator results, or newsletter, you consent to receive email communications from Home Expense Lab. You may unsubscribe at any time via the link included in every email. We will not sell or share your email address with third parties for their marketing purposes.

5. Intellectual Property

All content on Home Expense Lab — including text, calculator designs, graphics, logos, and code — is the property of Norris Engineering Solutions LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.

You may share links to our content and quote brief excerpts (with attribution and a link back to the original page) for non-commercial purposes.

6. Third-Party Links and Affiliate Relationships

Our site may contain links to third-party websites and products. We may earn a commission on qualifying purchases or signups made through affiliate links, at no additional cost to you. We are not responsible for the content, accuracy, or practices of any third-party site. See our Affiliate Disclosure for full details.

7. Advertising

Home Expense Lab may display advertisements through Google AdSense or other advertising networks. The presence of an ad does not constitute an endorsement of the advertised product or service. Advertising content is controlled by third-party networks and is subject to their policies.

8. Limitation of Liability

To the fullest extent permitted by law, Home Expense Lab and Norris Engineering Solutions LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this site or its tools — including but not limited to financial losses, errors in calculator results, or reliance on any information provided.

Your use of this site is entirely at your own risk.

9. Disclaimer of Warranties

This site and its tools are provided “as is” without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or that calculator results will be accurate or complete for your specific situation.

10. Privacy

Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Michigan.

12. Contact

If you have questions about these Terms of Use, please contact us at norrisengineeringsolutions@gmail.com.