Terms of Service

1. Acceptance of Terms

By accessing or using CalcMortgage ("Site," "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site.

2. Description of Service

CalcMortgage provides free online mortgage loan calculators including, but not limited to, payoff calculators, amortization calculators, home equity loan calculators, VA loan calculators, FHA loan calculators, refinance calculators, extra payment calculators, reverse mortgage calculators, and loan recast calculators.

3. Informational Use Only — Not Financial Advice

THE CALCULATORS AND ALL CONTENT ON THIS SITE ARE PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING ON THIS SITE CONSTITUTES FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE.

Calculator results are mathematical estimates based on the inputs you provide. Actual mortgage costs, payments, and outcomes will vary based on your lender's terms, applicable fees, tax implications, and other factors. Always consult a licensed mortgage professional, financial advisor, or attorney before making financial decisions.

4. Accuracy of Information

We strive to provide accurate calculations using standard financial formulas. However, CalcMortgage makes no warranties, express or implied, as to the accuracy, completeness, or fitness of the calculator results for any particular purpose. Calculator results should not be relied upon as the sole basis for any financial decision.

5. Intellectual Property

All content on this Site, including the calculators, text, design, graphics, and code, is the property of CalcMortgage and is protected by applicable copyright and intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our express written permission.

6. User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Transmit any harmful, offensive, or disruptive content
• Use automated tools to scrape, crawl, or extract data from the Site at scale
• Interfere with the proper working of the Site

7. Third-Party Links and Advertising

Our Site may display advertisements served by Google AdSense and may contain links to third-party websites. We have no control over the content, privacy practices, or accuracy of third-party sites or advertisers. Links to third-party sites do not constitute an endorsement. We are not responsible for any losses or damages resulting from your use of third-party sites or products.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. CALCMORTGAGE DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CALCMORTGAGE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES ARISING FROM RELIANCE ON CALCULATOR RESULTS.

10. Indemnification

You agree to indemnify and hold harmless CalcMortgage and its operators from and against any claims, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the Site or violation of these Terms.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Governing Law

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

13. Contact

For questions about these Terms, please visit our Contact page.