HōMI Terms of Service
Effective November 22, 2025
We built HōMI to give you clarity on big decisions — not to trap you in fine print.
The Short Version
- We're not a financial advisor. We're a companion.
- Your score is educational only — it's one data point, not gospel.
- We may earn a referral fee if you connect with a partner and close a deal.
- We don't sell your data. Ever.
- Use common sense. Be kind. Don't try to break the app.
The Full Version
1. Who We Are
HōMI Technologies LLC ("HōMI", "we", "us") runs HōMI.com and the HōMI app. We help people figure out if they're truly ready for major life decisions — starting with home buying.
2. What This Isn't
HōMI is not financial, legal, or professional advice. Your score is an opinion based on the info you give us. Always do your own homework.
3. Referrals & Compensation
When your score is 80+, we may show partner offers (mortgage lenders, insurers, etc.). If you connect and close a deal, we earn a referral fee — usually $250–500. This never affects your score or what we show you.
4. Your Data
We only collect what you enter to calculate your score. We do not sell it. We do not share it with partners unless you explicitly ask us to. You can delete everything anytime.
5. Accuracy
Garbage in, garbage out. You're responsible for the info you provide.
6. Changes
We'll email you if we make big changes. Keep using the app = you accept them.
7. Limits
We're not liable for decisions you make based on your score. Use at your own risk.
8. Governing Law
Florida, USA. No class actions.
9. Contact
That's it.
We'd rather spend our time helping you decide than writing 47 pages of terms.
— The HōMI Team
P.S. You're closer than you think.
By using HōMI, you acknowledge that you have read and understood these Terms of Service.