Terms of Use

Last updated: June 30, 2026

By using refinook.com, operated by Four Cents, you agree to these terms. If you do not agree, please do not use the site.

Informational purposes only

Our content is for general information and education. It is not professional advice. Nothing here is financial, legal, medical, tax, or insurance advice, and it is not a substitute for a licensed professional who knows your situation. Any calculators or estimates are approximations. Always verify before making decisions and consult a qualified professional.

No warranty

The site is provided "as is" without warranties of any kind. We work to be accurate but do not guarantee that content is complete, current, or error-free. You use the site and act on its content at your own risk.

Limitation of liability

To the fullest extent permitted by law, RefiNook is not liable for any loss or damage arising from your use of the site or reliance on its content.

Intellectual property

The content, design, and tools on this site are owned by RefiNook unless otherwise noted, and may not be copied or republished without permission. You may share links and brief quotations with attribution.

External and affiliate links

We link to third-party sites and may include affiliate links. We are not responsible for third-party content or practices. See our Affiliate Disclosure and Privacy Policy.

Changes

We may update these terms; continued use after changes means you accept them.

Contact

Questions about these terms? Email hello@refinook.com.