Legal & Policies

Every public web property owned and operated directly by Lofink Labs is published in the official directory below. Any domain not listed on LofinkLabs.com is either an independent client system owned by its commissioning company or unaffiliated with Lofink Labs.

Lofink Labs (LofinkLabs.com) engineers custom digital systems, operational tools, and workflow software for commercial clients, and also develops and operates select owned web properties—including HistoricMortgageRates.com.

Custom software, internal systems, and digital products commissioned by third-party clients are transferred to their respective owners upon completion and operate under those clients' own governance and policies. Owned Lofink Labs public properties listed in Section 01 are administered centrally by Lofink Labs. For verification or corporate inquiries, contact Legal@LofinkLabs.com.

These Terms of Service govern your access to and use of LofinkLabs.com and any owned Lofink Labs website that references this page, except where a property publishes supplemental terms.

• Informational Purpose Only (No Professional Advice): All historical datasets, interest rate archives, charts, calculators, and articles published across Lofink Labs websites are provided strictly for general informational and educational purposes. Nothing on our websites constitutes financial, mortgage lending, investment, tax, engineering, or legal advice. Always consult a qualified professional before making financial or operational decisions.
• Acceptable Use: You agree not to interfere with website operations, bypass security controls, submit automated form spam, or conduct abusive automated scraping against our servers.
• Intellectual Property: Original software, visual design, compilations, and written content on Lofink Labs websites are protected by copyright and owned by Lofink Labs unless otherwise attributed.
• Disclaimer of Warranties & Limitation of Liability: All websites and calculators are provided on an “as-is” and “as-available” basis without warranties of any kind. To the maximum extent permitted by applicable law, Lofink Labs shall not be liable for any indirect, incidental, consequential, or reliance damages arising from your use of our websites or data.

Lofink Labs minimizes personal data collection across its websites and processes information solely as required to deliver reliable web services and respond to inquiries.

• Voluntary Inquiries & Accounts: When you submit an inquiry form, send an email, or register for an optional service on a Lofink Labs property, we use the submitted contact details solely to respond to your request or provide the service you selected. We do not sell personal contact lists.
• Infrastructure, Security & Analytics: Our websites utilize edge security providers (including Cloudflare) and privacy-conscious aggregate analytics to protect against malicious traffic, measure page performance, and maintain uptime.
• Advertising & Partner Cookies: Certain free-to-access Lofink Labs public reference sites display third-party advertisements (such as Google AdSense or vetted ad partners). Advertising networks may use cookies or similar identifiers to serve relevant ads, cap frequency, and measure aggregate ad performance. Users may manage cookie preferences in their browser settings or via Google Ad Settings.
• Privacy Inquiries & Data Requests: Requests regarding personal data access, correction, or deletion may be submitted to Legal@LofinkLabs.com.

To keep our owned public calculators and reference archives accessible without mandatory paywalls, select Lofink Labs public properties may generate revenue through display advertising, partner referrals, direct sponsorships, and affiliate partnerships. When a visitor clicks a partner or affiliate link on an owned Lofink Labs publication and completes an inquiry or purchase, Lofink Labs may receive compensation at no additional cost to the user. Sponsored placements and editorial comparisons are maintained independently of historical reference datasets.

Where a Lofink Labs property or service agreement utilizes online billing or optional recurring maintenance plans, payment processing is handled by PCI-DSS compliant third-party processors (such as Stripe). Lofink Labs does not store full payment card numbers on its servers. Subscribers may cancel recurring plans at any time prior to the next billing cycle via their billing portal, or by contacting Legal@LofinkLabs.com for billing assistance.

Lofink Labs respects the intellectual property rights of others. If you believe material published on any Lofink Labs website infringes your copyright or trademark, please send a written notice containing the specific URL, a description of the work, and your contact information to Legal@LofinkLabs.com for prompt review.