Terms of Service | Kentucky Home Journey

1. Acceptance of Terms

By accessing and using Kentucky Home Journey ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Kentucky Home Journey is an informational platform that provides:

Information about Kentucky housing assistance programs
Mortgage and affordability calculators
AI-generated home staging visualizations
Contractor directory listings
Home repair guides and resources

The Service is currently in Beta. Features may change, be incomplete, or contain errors.

3. Not Professional Advice

Kentucky Home Journey does not provide financial, legal, or real estate advice.

We are not lenders, mortgage brokers, or financial advisors
We are not real estate agents or brokers
We are not attorneys or legal advisors
We are not affiliated with any government agency

All information is provided for general educational purposes only. You should consult qualified professionals before making any financial or real estate decisions.

4. Information Accuracy

While we strive to provide accurate information:

Program details, eligibility requirements, and availability change frequently
We cannot guarantee information is current or complete
Calculator results are estimates only, not quotes or guarantees
Always verify information directly with official program administrators

5. Third-Party Content and Links

The Service contains links to third-party websites and information aggregated from public sources.

We do not control third-party websites and are not responsible for their content
Contractor listings are aggregated from public sources (Angi, Houzz, etc.)
We do not endorse, verify, or guarantee any contractors listed
Inclusion in our directory does not constitute a recommendation
Always verify contractor credentials, licenses, and insurance independently

6. AI-Generated Content

The Service includes AI-generated content, including staging visualizations:

AI staging images are for visualization purposes only
They do not represent actual properties or guaranteed outcomes
AI-generated content may contain inaccuracies

7. Limitation of Liability

To the maximum extent permitted by law:

The Service is provided "as is" without warranties of any kind
We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
We are not liable for any damages arising from your use of the Service
We are not liable for decisions made based on information from the Service
We are not liable for any interactions with third parties, including contractors

8. User Responsibilities

By using the Service, you agree to:

Verify all information independently before making decisions
Consult qualified professionals for advice specific to your situation
Use the Service only for lawful purposes
Not rely solely on this Service for important financial decisions

9. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

10. Governing Law

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict of law principles.

11. Contact

For questions about these Terms, please contact us through the website.