Terms of Use

01Acceptance of Terms

By accessing or using the Mortgage & Loans website (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please discontinue use of the Site immediately.

These Terms apply to all visitors and users of the Site. They constitute the entire agreement between you and Mortgage & Loans with respect to your use of this platform.

02About This Platform

Mortgage & Loans is a free, online-only financial calculator platform. We provide browser-based tools to help individuals estimate mortgage payments, amortization schedules, loan comparisons, refinance savings, affordability ranges, debt-to-income ratios, and related calculations.

We are not a bank, mortgage lender, loan broker, financial advisor, credit union, or any type of financial institution. We do not originate loans, issue credit, collect loan applications, process credit checks, or connect users with lenders. We do not provide any regulated financial services.

03Free Access & No Account Required

All calculators and tools on this Site are provided completely free of charge. There are no paid tiers, premium features, or subscription plans. No account registration, email address, or personal information is required to use any tool on this Site.

This Site is supported by third-party display advertising (Google AdSense). The presence of advertising does not affect the accuracy, impartiality, or availability of any calculator tool.

04Calculator Results Are Estimates Only

All results produced by calculators on this Site are mathematical estimates based on the inputs you provide. They are intended for general planning and educational purposes only.

Actual mortgage payments, loan terms, interest rates, fees, insurance costs, tax obligations, and total borrowing costs will vary based on your credit profile, lender policies, market conditions, property specifics, and applicable laws. Results from our calculators should not be used as a substitute for a formal loan disclosure, Good Faith Estimate (GFE), Loan Estimate, or any binding financial document from a licensed lender.

We make no representation that any calculation result reflects the terms of any actual loan product available to you.

05Not Financial Advice

Nothing on this Site constitutes financial, legal, tax, mortgage, or investment advice. The calculators, articles, guides, and any other content on this Site are for informational and educational purposes only.

Before making any financial decision — including purchasing a home, taking out a mortgage, refinancing, or borrowing money — you should consult with a licensed financial advisor, mortgage broker, or other qualified professional who can evaluate your specific situation.

Mortgage & Loans expressly disclaims any liability arising from reliance on information or calculator results provided on this Site.

06Prohibited Conduct

By using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable local, state, federal, or international law.
• Attempt to reverse engineer, scrape, copy, or extract content, code, or data from the Site.
• Use automated bots, crawlers, or scripts to interact with the Site in a way that impairs its performance or availability.
• Attempt to gain unauthorized access to any portion of the Site or its infrastructure.
• Submit false, harmful, or misleading content through any contact or feedback form.
• Use the Site to distribute spam, malware, or any harmful content.
• Reproduce or republish calculator tools or source code without written permission.

07Intellectual Property

All content on this Site — including but not limited to calculator logic, software code, design, graphics, text, formulas, and user interface elements — is the property of Mortgage & Loans and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works from any part of this Site without our express written permission.

08Third-Party Links & Advertising

This Site may contain links to third-party websites and displays third-party advertisements through Google AdSense. We are not responsible for the content, accuracy, privacy practices, or availability of any third-party website.

The appearance of an advertisement on this Site does not constitute an endorsement of the advertised product or service. We do not have control over which ads are displayed, and we do not receive personal information about you from advertisers.

Your interactions with third-party advertisers, including any purchases or sign-ups, are solely between you and those third parties. We recommend reviewing the privacy policy and terms of any third-party site you visit.

09Disclaimer of Warranties

This Site and all its content and tools are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that:

• The Site will be available at all times or free from errors or interruptions.
• Calculator results will be accurate, complete, or suitable for any specific purpose.
• The Site is free from viruses or other harmful components.

To the maximum extent permitted by applicable law, Mortgage & Loans disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10Limitation of Liability

To the maximum extent permitted by applicable law, Mortgage & Loans and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or reliance on any calculator results — including but not limited to financial loss, missed opportunities, or incorrect financial decisions.

Our total liability to you for any claim arising out of these Terms shall not exceed zero dollars ($0), reflecting the fact that this Site is provided to you entirely free of charge.

11Indemnification

You agree to indemnify, defend, and hold harmless Mortgage & Loans and its operators from any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorney's fees) arising from: your use of the Site, your violation of these Terms, or your violation of any applicable law or third-party rights.

12Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

13Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or your use of the Site shall be resolved through good-faith negotiation before any legal proceedings are initiated.

14Contact Us

If you have any questions about these Terms of Use, please contact us: