Terms of Service
Please read these terms of service carefully before using our mortgage calculator and related services. By using our website, you agree to be bound by these terms.
Last updated: January 2024
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
Important Notice
These terms constitute a legally binding agreement between you and our website. Continued use of our services indicates your acceptance of these terms.
Description of Service
We provide a free online mortgage calculator and related financial tools designed to help users estimate mortgage payments, understand loan terms, and make informed financial decisions.
What We Provide
- Mortgage payment calculator
- Refinance calculator
- Affordability calculator
- Educational content and guides
- Financial resources and information
Service Limitations
- Not financial advice
- No loan origination services
- No credit decisions
- No loan applications
- No loan servicing
User Responsibilities
What You Must Do
- Provide accurate information
- Use services for lawful purposes
- Respect intellectual property rights
- Maintain account security
- Report security issues
What You Must Not Do
- Use automated tools to access services
- Attempt to breach security measures
- Distribute malware or harmful code
- Impersonate others or provide false information
- Interfere with service operation
Account Termination
We reserve the right to terminate or suspend access to our services for users who violate these terms or engage in prohibited activities.
Disclaimers and Limitations
Not Financial Advice
Important Disclaimer
The information provided on this website is for educational and informational purposes only. It is not intended to be and should not be construed as financial advice, legal advice, or any other type of professional advice.
Accuracy of Information
- • Calculations are estimates only
- • Results may vary from actual loan terms
- • We do not guarantee accuracy
- • Always verify with lenders
- • Rates and terms change frequently
Service Availability
- • Services provided "as is"
- • No guarantee of uninterrupted access
- • We may modify or discontinue services
- • Technical issues may occur
- • Maintenance may affect availability
Third-Party Services
We may link to or integrate with third-party services. We are not responsible for the content, privacy practices, or availability of these external services.
Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, images, software, and design, is the property of our website and is protected by copyright, trademark, and other intellectual property laws.
What You Can Do
- Use calculators for personal purposes
- Share results with family and advisors
- Print information for personal use
What You Cannot Do
- Copy or reproduce content
- Use for commercial purposes
- Modify or create derivative works
Limitation of Liability
Liability Limitation
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to your use of our services.
What We're Not Liable For
- • Financial losses from calculations
- • Decisions based on our information
- • Third-party service issues
- • Technical problems or outages
- • Data loss or corruption
Your Responsibility
- • Verify all calculations
- • Consult with professionals
- • Make informed decisions
- • Back up important data
- • Use services at your own risk
Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.
Data Protection
- We protect your personal information
- We don't sell your data
- We use encryption for security
- We limit data collection
Your Rights
- Access your personal data
- Request data deletion
- Control cookie preferences
- Opt-out of communications
Privacy Policy
For detailed information about how we handle your data, please review ourPrivacy Policy.
Governing Law and Jurisdiction
These terms of service are governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the courts in the United States.
Dispute Resolution
Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless otherwise required by law.
Changes to Terms of Service
We reserve the right to modify these terms of service at any time. Changes will be effective immediately upon posting on this page. Your continued use of our services after changes are posted constitutes acceptance of the new terms.
Notification of Changes
We will notify users of material changes to these terms by posting the updated terms on this page and updating the "Last updated" date. We encourage you to review these terms periodically.
Questions About These Terms?
If you have any questions about these terms of service or need clarification on any provision, please don't hesitate to contact us.
Legal Disclaimer
These terms of service are provided for informational purposes and do not constitute legal advice. The information contained herein may not reflect the most current legal developments and should not be considered as legal advice or a substitute for legal counsel.
Severability: If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these terms will otherwise remain in full force and effect.
Entire Agreement: These terms constitute the entire agreement between you and us regarding the use of our services and supersede all prior agreements and understandings.