Effective date: October 24, 2026
These Terms of Use govern your use of ClearPath Guides, operated under the ClearPath Guides name from Pakistan. By using the site, you agree to these terms. If you do not agree, please do not use the site.
Informational use only
ClearPath Guides provides general educational information and calculators about mortgages and home buying in the United States. The site is for personal, non-commercial, informational use.
No professional advice
Nothing on this site is financial, legal, tax, investment, or lending advice, and using the site does not create any advisory, fiduciary, or professional relationship. We are not a lender, mortgage broker, attorney, tax professional, or licensed financial adviser. For decisions about your own situation, consult a qualified professional. See our Financial and Information Disclaimer for more.
Calculator estimates
Our calculators are provided "as is" for estimation and educational purposes. Results depend entirely on the inputs you enter and on simplifying assumptions, and they may not include all costs, fees, taxes, insurance, or loan features that apply to a real loan. Calculator results are not loan offers, quotes, pre-approvals, or guarantees of any rate, payment, or eligibility.
Accuracy of information
We work to keep content accurate and current, but we do not guarantee that any information on the site is complete, accurate, or up to date. Mortgage rules, loan programs, limits, and market conditions change. If you find an error, please let us know through our Contact page.
Your responsibility
You are responsible for how you use the information and tools on this site, for checking important details with primary sources and qualified professionals, and for reviewing the official documents a lender gives you, such as the Loan Estimate and Closing Disclosure, before making decisions.
Intellectual property
Unless otherwise noted, the text, calculators, design, and other original content on ClearPath Guides are owned by ClearPath Guides, operated under the ClearPath Guides name from Pakistan, and protected by copyright and other applicable laws. You may view, print, and share links to pages for personal, non-commercial use. You may quote brief excerpts with a link back to the original page. You may not republish full articles, copy calculators, or use the content commercially without written permission. Third-party names and trademarks mentioned on the site belong to their owners and are used only for identification.
Comment rules
Where comments are open, you agree not to post content that:
- is unlawful, defamatory, harassing, hateful, or threatening;
- is spam, advertising, or self-promotion, including unsolicited links or lead-generation offers;
- includes your own or anyone else's sensitive personal or financial information;
- infringes someone else's copyright, trademark, or other rights; or
- impersonates any person or misrepresents an affiliation.
Comments are public and reflect only the views of their authors. We may moderate, edit for formatting, or remove comments at our discretion, and we may close comments on any page. By posting, you grant us a non-exclusive, royalty-free right to display your comment on the site.
Third-party links
The site links to websites we do not control, including government agencies and other references. Links are provided for convenience and do not imply endorsement. We are not responsible for the content, accuracy, or privacy practices of other sites.
Disclaimer of warranties
To the fullest extent permitted by law, the site and all content and calculators are provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
Limitation of liability
To the fullest extent permitted by law, ClearPath Guides, operated under the ClearPath Guides name from Pakistan, will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of money, profits, or data, arising from or related to your use of, or inability to use, the site, its content, or its calculators, even if advised of the possibility of such damages. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
Changes to these terms
We may update these terms from time to time. Changes take effect when posted, and the effective date above will be updated. Continued use of the site after changes are posted means you accept the updated terms.
Governing law
These terms are governed by the laws of Pakistan, without regard to conflict-of-law principles, except where the law of your place of residence requires otherwise.
Contact
Questions about these terms can be sent to dev.usamawahid@gmail.com.