Terms of Service

By accessing and using MortgageCalc (the "Website"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

We reserve the right to modify these Terms at any time. Your continued use of the Website following any changes constitutes acceptance of the revised Terms.

2.1 Informational Tool Only
MortgageCalc provides a free mortgage calculator for informational and educational purposes only. The calculator generates estimates based on the inputs you provide.

2.2 Not Financial Advice
THIS WEBSITE DOES NOT PROVIDE FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE. All calculations are estimates only and should not be relied upon for making financial decisions. You should consult with qualified professionals (mortgage brokers, financial advisors, accountants, attorneys) before making any financial decisions.

2.3 No Lending Services
MortgageCalc is NOT a lender, broker, or financial institution. We do not offer loans, accept applications, or make credit decisions. We do not endorse any specific lending products or services.

3.1 Estimates Only
All payment estimates, interest rates, tax calculations, and other figures generated by our calculator are estimates only. Actual mortgage payments, interest rates, property taxes, insurance costs, and other expenses may vary significantly.

3.2 Data Limitations
Our calculator uses general assumptions and average data that may not reflect your specific situation, local market conditions, or current lending requirements. Factors not included in our calculations may significantly affect your actual costs, including but not limited to:

• Credit score and credit history
• Debt-to-income ratio
• Employment history and income verification
• Property type and location
• Loan program requirements
• Market interest rate fluctuations
• Special assessments or HOA fees
• Flood insurance requirements

3.3 No Warranty
THE WEBSITE AND CALCULATOR ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We do not warrant that:

• The calculator will be accurate or reliable
• The results will be suitable for your particular situation
• The Website will be uninterrupted, secure, or error-free
• Any errors will be corrected

4.1 Maximum Extent Allowed BY LAW
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MORTGAGECALC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

4.2 Specific Exclusions
We are not responsible for any damages arising from:

• Reliance on calculator estimates for financial decisions
• Errors or inaccuracies in the calculations
• Website unavailability or technical issues
• Actions taken based on information from our Website
• Decisions to purchase or refinance property

4.3 Financial Loss Disclaimer
We are not responsible for any financial loss, including but not limited to losses from:

• Mortgage payments higher than estimated
• Interest rate changes
• Property value fluctuations
• Tax assessment changes
• Insurance premium increases

5.1 Verification
You are responsible for verifying all information obtained from our Website with qualified professionals before making any financial decisions.

5.2 Proper Use
You agree to use this Website only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the calculator for fraudulent purposes
• Misrepresent yourself or your affiliation with any person or entity
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Website
• Use automated tools to scrape or harvest data

6.1 Ownership
All content, features, and functionality of this Website, including but not limited to text, graphics, logos, designs, and software, are owned by MortgageCalc and protected by international copyright, trademark, and other intellectual property laws.

6.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use this Website for personal, non-commercial purposes. You may not:

• Modify, copy, or distribute any content
• Use any content for commercial purposes
• Remove any proprietary notices
• Frame or mirror any portion of the Website

Our Website may contain links to third-party websites, including lenders, brokers, and financial service providers. These links are provided for convenience only and do not constitute our endorsement of any such third-party or their services.

We are not responsible for the content, policies, or practices of any third-party websites. You acknowledge and agree that we shall not be liable for any damages or loss caused by your use of any third-party content.

You agree to indemnify, defend, and hold harmless MortgageCalc, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any third-party right
• Financial decisions based on calculator estimates

9.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles.

9.2 Arbitration
Any dispute arising from or relating to these Terms or your use of the Website shall be resolved through binding arbitration, except where prohibited by law.

10.1 Entire Agreement
These Terms constitute the entire agreement between you and MortgageCalc regarding your use of the Website.

10.2 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

10.3 Waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

10.4 Assignment
You may not assign or transfer these Terms without our prior written consent. We may assign these Terms at our discretion.

Equal Housing Opportunity

MortgageCalc supports Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

For housing-related discrimination complaints:
U.S. Department of Housing and Urban Development (HUD)
www.hud.gov | 1-800-669-9777

Users in certain states may have additional rights under state law:

• California: California residents may have special rights under the California Consumer Privacy Act (CCPA) and California Financial Code.
• New York: New York residents are protected by the New York General Business Law regarding consumer fraud.
• Other States: Many states have consumer protection laws that may provide additional rights beyond those described in these Terms.

We reserve the right to suspend or terminate your access to the Website at any time, with or without cause, with or without notice.

If you have questions about these Terms of Service, please contact us at:

contact@mymortgagecalc.net