Terms and Conditions
Effective Date: March 10, 2026
1. Acceptance of Terms
By accessing or using Najibsa.com (the “Website”), you agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use this Website.
These Terms apply to all visitors, users, and others who access or use the Website.
2. Website Purpose
Najibsa.com provides informational content, educational materials, calculators, and tools related to real estate, home buying, mortgage estimation, and related financial topics.
All information provided on this Website is for informational and educational purposes only and should not be considered legal, financial, tax, or lending advice.
Users should consult qualified professionals before making financial or real estate decisions.
3. Online Tools and Calculators
The Website may provide online tools and calculators, including but not limited to:
- mortgage calculators
- payment estimation tools
- affordability calculators
- other financial estimation tools
Results generated by these tools are estimates only and are based solely on the information entered by the user.
Actual loan terms, interest rates, payments, taxes, insurance costs, and qualification requirements may differ significantly depending on lenders, financial institutions, credit history, and market conditions.
Najibsa.com does not guarantee the accuracy, completeness, or reliability of calculator results.
Users should not rely solely on these tools when making financial decisions.
4. User Submitted Information
The Website may allow users to submit information through forms, calculators, or newsletter subscriptions.
Users may provide information including but not limited to:
- name
- email address
- financial inputs used for calculators
- other voluntarily submitted information
By submitting information through the Website, users agree that Najibsa.com may store and process this information for operational purposes as described in the Privacy Policy.
Users should not submit sensitive personal information, including:
- Social Security numbers
- bank account numbers
- passwords
- or other highly confidential information
5. Email Communication
Users may choose to receive communications from Najibsa.com, including:
- calculator results
- newsletters
- updates
- marketing or informational emails
By submitting your email address through forms or subscription fields on the Website, you consent to receiving such communications.
Users may unsubscribe from email communications at any time through the unsubscribe link provided in emails.
6. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, tools, design elements, and software, is the property of Najibsa.com unless otherwise stated.
Users may not reproduce, distribute, modify, or republish Website content without prior written permission.
7. Limitation of Liability
Najibsa.com is not responsible for any losses, damages, or financial decisions made based on information or calculator results provided on this Website.
All use of the Website is at the user’s own risk.
8. Changes to Terms
Najibsa.com reserves the right to modify these Terms and Conditions at any time without prior notice.
Continued use of the Website after updates constitutes acceptance of the revised terms.
9. Contact
If you have any questions regarding these Terms, you may contact us through the Website.