Terms of Service
Last updated: June 28, 2026
By using SyntheFi, you agree to these terms. Please read them before using the service.
1. What SyntheFi Is — and Is Not
SyntheFi is a financial decision-information tool. You enter income, expenses, debt, and a target home price; the service returns a computational affordability estimate and can answer financial questions based on your inputs. SyntheFi is not financial advice, investment advice, mortgage advice, tax advice, or any other form of professional advice. Estimates are general information only — they do not account for your credit score, employment stability, local market conditions, or any other individual circumstances. SyntheFi is not a registered investment adviser, mortgage broker, or licensed financial planner. No fiduciary duty or advisory relationship is created by your use of the service. Always consult a qualified licensed professional before making any major financial decision.
2. AI Advisor — Computational Estimates Only
The AI conversational advisor generates responses based on a language model. Its outputs are computational estimates and general information only. The advisor may produce inaccurate figures, including tax estimates, debt-to-income ratios, and payment projections. Independently verify any specific numbers before relying on them. SyntheFi does not warrant the accuracy of any advisor output.
3. Acceptable Use
SyntheFi is for your personal, non-commercial use. You agree not to use the service for commercial lending decisions, automated data extraction, resale of outputs as professional advice, or any purpose that violates applicable law. You must be at least 18 years old to use the service. You agree to enter accurate information — estimates based on inaccurate inputs are your responsibility.
4. No Warranties
The service is provided “as is” and “as available” without warranties of any kind. SyntheFi does not warrant that the service will be uninterrupted, error-free, or that any verdict or estimate will be accurate or appropriate for your situation.
5. Limitation of Liability
To the fullest extent permitted by applicable law, SyntheFi and its owners will not be liable for any indirect, incidental, special, consequential, or punitive damages, including financial losses arising from your reliance on an estimate or AI-generated response.
6. No Lender Referrals
SyntheFi does not refer users to specific lenders, financial products, or financial institutions, and does not receive compensation for directing users toward any financial product. Outputs are not influenced by any commercial relationship with any lender or financial services provider.
7. Changes to Terms
We may update these terms. Material changes will be communicated by updating the date above and, where possible, by notice within the service. Continued use after a change constitutes acceptance of the revised terms.
8. Governing Law
These terms are governed by the laws of the State of California, without regard to conflict-of-law provisions.
9. Contact
Questions about these terms: support@synthefi.app