Terms of Service
Last updated: April 11, 2026
1. Acceptance of Terms
By accessing and using FreeMortgageCalc ("the Website"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Website.
2. Description of Service
FreeMortgageCalc provides free online mortgage calculation tools and educational content related to home buying, mortgages, and real estate. Our services include mortgage calculators, glossaries, guides, and informational articles.
3. Not Financial Advice
Important: The information provided on this Website is for educational and informational purposes only. It is NOT financial, legal, or professional advice. The calculator results are estimates based on the information you provide and may not reflect your actual mortgage terms.
You should always consult with a qualified financial advisor, mortgage professional, or attorney before making any financial decisions related to home buying or mortgages.
We do not guarantee the accuracy, completeness, or timeliness of any information on this Website. Interest rates, loan terms, and real estate regulations vary by location and change frequently.
4. No Warranties
The Website and all content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:
- Implied warranties of merchantability
- Fitness for a particular purpose
- Non-infringement
- Accuracy or reliability of calculations or content
We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
5. Limitation of Liability
To the fullest extent permitted by applicable law, FreeMortgageCalc and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with:
- Your use of or inability to use the Website
- Any errors or inaccuracies in calculator results or content
- Any financial decisions made based on information from this Website
- Any unauthorized access to your data
6. User Conduct
You agree not to:
- Use the Website for any unlawful purpose
- Attempt to gain unauthorized access to the Website or its systems
- Interfere with or disrupt the Website's functionality
- Scrape, copy, or reproduce the Website's content without permission
- Use automated tools to access the Website in a manner that exceeds reasonable use
7. Intellectual Property
All content on this Website — including text, graphics, logos, calculations, guides, and educational materials — is the property of FreeMortgageCalc and is protected by copyright and other intellectual property laws.
You may share links to our pages and reference our content with proper attribution. You may not reproduce, distribute, or create derivative works from our content without prior written permission.
8. Third-Party Content and Links
The Website may contain links to third-party websites and display third-party advertisements. We do not endorse, control, or assume responsibility for third-party content, products, or services. Your interactions with third parties are solely between you and them.
9. Advertising
The Website may display advertisements provided by third-party advertising networks, including Google AdSense. These advertisements may use cookies and tracking technologies as described in our Privacy Policy.
10. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the modified terms.
11. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
12. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
13. Contact Us
If you have any questions about these Terms of Service, please contact us at:
contact@freemortgagecalc.net