Terms of service and platform boundaries

By accessing or using Egrigo, including our website, estimator tools, guidance request forms, and any related services, you accept these terms of service in full. If you do not agree to these terms, you must not use our services. These terms apply to all visitors and users of the public website.

Egrigo is an online guidance and support-options platform designed to help visitors understand support options, plan affordability, create monthly estimates, and prepare guidance requests. Egrigo is not a bank, regulated financial product provider, or direct product issuer. Egrigo does not issue funds, provide regulated financial products, make provider decisions, or guarantee any outcomes.

Egrigo does not provide direct financial products, regulated financial services, or regulated financial product offerings. We do not provide legal advice, tax advice, investment advice, or accounting advice. We do not make provider decisions or guarantee any provider outcome. We do not guarantee any third-party provider offer, terms, or follow-up. We do not replace independent professional review or consultation. We do not provide emergency financial services or urgent response. We do not directly employ third-party providers or guarantee their availability, responsiveness, or terms. Any third-party provider process remains subject to that provider's own checks, policies, terms, and decision-making.

Our monthly estimate calculator is provided for planning and educational purposes only. Results are non-binding planning figures based on the information you enter. Estimates do not represent an offer, provider decision, commitment, or assurance of any kind. Actual provider terms depend on your complete situation, provider assessment, and any formal agreement. We make no representation regarding the accuracy, completeness, or suitability of estimates. Use estimates for planning comparison only.

You are responsible for the accuracy of information you submit to our estimator. You acknowledge that estimates are intended for planning only and do not create any obligation or promise. You agree not to misuse the estimator for misleading representations, fraudulent purposes, or any illegal activity. You are solely responsible for decisions made based on estimator results.

When submitting a guidance request, you represent that all information provided is true, accurate, and complete to the best of your knowledge. You are responsible for the accuracy of information you provide. Intentionally false or misleading information may affect the quality of guidance provided and may be grounds for terminating our engagement.

Egrigo may introduce suitable visitors to third-party providers and partners where appropriate. Any introduction, conversation, or agreement between you and a third-party provider is a separate relationship governed by that provider's own terms, policies, and agreements. Egrigo does not control, endorse, or assure any provider's services, terms, offers, or decisions.

Egrigo is not responsible for any third-party provider decisions, approval or outcome decisions, rejections, delays, pricing, terms, communications, offers, agreements, or outcomes. Egrigo does not assure that any provider will respond, offer suitable terms, make a positive decision on any request, or proceed with any arrangement. You must review and evaluate each provider's terms, policies, and disclosures independently before making any commitment.

Egrigo does not provide emergency financial services, urgent funding, or time-sensitive support. All guidance and follow-up are provided on a non-urgent basis. If you face an emergency, you should contact a licensed financial counselor, emergency assistance provider, or relevant government agency immediately rather than relying on Egrigo guidance.

Egrigo makes reasonable efforts to maintain site availability and functionality but does not guarantee uninterrupted service. The site may be temporarily unavailable for maintenance, updates, or technical issues. We are not responsible for any inability to access the site or submit requests due to technical problems, server issues, network disruptions, or third-party infrastructure failures.

All guidance, information, planning cards, support-options explanations, and educational content provided through Egrigo is for general informational and educational purposes. While we strive for accuracy, we make no representation that content is accurate, complete, current, or suitable for your circumstances. Financial, legal, tax, and investment guidance requires professional advice tailored to your situation. Egrigo content does not substitute for professional consultation.

You agree not to use Egrigo for any illegal, fraudulent, misleading, defamatory, or harmful purpose. You will not submit false information, attempt to circumvent security measures, transmit malware, or interfere with site functionality. You will not use the site to harass, threaten, or abuse any person or organization. Violation of these conduct rules may result in termination of access and referral to appropriate authorities.

All content, design, text, images, logos, and materials on Egrigo are owned by or licensed to Egrigo and protected by copyright and intellectual property laws. You may view and use content for personal, non-commercial purposes only. You may not reproduce, distribute, transmit, modify, or create derivative works without express written permission. Unauthorized use may violate intellectual property laws.

To the maximum extent permitted by law, Egrigo shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use the site or services, including lost profits, business interruption, or data loss. Our total liability for any direct damages arising from use of Egrigo shall not exceed the amount you paid for services, if any. Some jurisdictions do not allow limitation of liability; in such cases, this limitation applies to the maximum extent allowed.

You agree to indemnify, defend, and hold harmless Egrigo, its officers, employees, and agents from any claims, damages, costs, or liabilities arising from your use of the site, violation of these terms, infringement of any rights, or any dispute with third parties or providers. You assume full responsibility for your decisions based on Egrigo guidance and accept all risks associated with those decisions.

We may modify these terms or change platform features, content, or availability at any time without notice. Changes become effective upon posting. Continued use after changes constitute acceptance of modified terms. For major changes, we will make reasonable efforts to notify users. We reserve the right to discontinue services or features at our discretion.

EGRIGO PROVIDES GUIDANCE "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE MAKE NO WARRANTY THAT SERVICES ARE ACCURATE, COMPLETE, TIMELY, SECURE, OR ERROR-FREE. WE DISCLAIM ALL IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, AND NON-INFRINGEMENT. YOU USE THE SITE AT YOUR OWN RISK.

These Terms are intended to be interpreted according to the applicable laws and regulatory requirements relevant to the operating entity, user location, and service context. Where a specific jurisdiction is required by law or by a formal agreement, that jurisdiction will be identified in the relevant contract, notice, or legal document. If any provision of these terms is invalid or unenforceable, the remaining provisions shall continue in full effect.

For questions about these terms, to report violations, or for general inquiries, please contact us using the information provided in our footer or guidance request forms. We will acknowledge contact inquiries and respond within 5 business days where possible.

These terms of service, together with our privacy policy and any other policies referenced here, constitute the entire agreement between you and Egrigo concerning your use of our services. Any prior agreements, understandings, or negotiations are superseded by these terms.