Terms of Service

Welcome to MortgageCalc Pro. These Terms of Service (“Terms”) govern your use of our website and mortgage calculation services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using MortgageCalc Pro, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Services.

2. Description of Services

MortgageCalc Pro provides online mortgage calculation tools and related educational content. Our Services include:

• Mortgage payoff calculators
• Payment strategy comparison tools
• Amortization schedule generators
• Educational articles and guides
• Export functionality for calculation results

3. Disclaimer of Financial Advice

The calculations and information provided by our Services are estimates based on the information you provide and may not reflect actual loan terms, fees, or conditions. Actual results may vary significantly.

4. User Responsibilities

When using our Services, you agree to:

• Provide accurate information for calculations
• Use the Services for lawful purposes only
• Not attempt to disrupt or damage our Services
• Not use automated systems to access our Services without permission
• Not misrepresent the results from our calculators
• Respect the intellectual property rights of MortgageCalc Pro and others

5. Intellectual Property Rights

All content on MortgageCalc Pro, including text, graphics, logos, images, calculators, and software, is the property of MortgageCalc Pro or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may use our Services for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without authorization
• Reverse engineer our calculators or software
• Create derivative works based on our Services
• Use our Services for commercial purposes without a license

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MORTGAGECALC PRO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits or revenue
• Loss of data or information
• Financial losses from decisions based on our calculations
• Errors or inaccuracies in calculations
• Interruption or cessation of Services

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE PAST TWELVE MONTHS, IF ANY.

7. Indemnification

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

• Your use of the Services
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or share through our Services

8. Warranty Disclaimer

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of information
• Uninterrupted or error-free operation

9. Third-Party Links

Our Services may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these third parties. Your use of third-party services is at your own risk.

10. Modifications to Services

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of Services.

11. User Accounts

If we introduce user accounts in the future:

• You are responsible for maintaining the confidentiality of your account
• You are responsible for all activities under your account
• You must notify us immediately of any unauthorized use
• We reserve the right to terminate accounts that violate these Terms

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the state and federal courts located in New York County, New York.

13. Dispute Resolution

Any disputes arising from these Terms or your use of our Services shall first be attempted to be resolved through good faith negotiations. If negotiations fail, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MortgageCalc Pro regarding the use of our Services and supersede any prior agreements.

16. Changes to Terms

We reserve the right to update these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the “Effective Date.” Your continued use of our Services after changes constitutes acceptance of the revised Terms.

17. Contact Information

For questions about these Terms of Service, please contact us: