Terms of Service

Last Updated: 26 December 2025

Agreement to Terms

These Terms of Service (“Terms”) govern your access to and use of https://mortgage-payoffcalculator.com (the “Site”) operated by Mortgage Payoff Calculator (“we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site.

Use of the Site

Permitted Use

You may use the Site for lawful purposes only. You agree to use the Site:

  • To calculate mortgage payoff scenarios for personal financial planning
  • To access educational content about mortgages and payoff strategies
  • In compliance with all applicable local, state, national, and international laws

Prohibited Use

You agree NOT to:

  • Use the Site for any illegal purpose or in violation of any regulations
  • Attempt to gain unauthorised access to any portion of the Site
  • Interfere with or disrupt the Site or servers, or networks connected to the Site
  • Use any automated system (bots, scrapers, etc.) to access the Site without permission
  • Transmit any viruses, malware, or other malicious code
  • Collect or harvest personal information from other users
  • Use the Site to transmit spam or unsolicited communications
  • Impersonate any person or entity, or misrepresent your affiliation
  • Modify, adapt, or hack the Site or modify another website to imply association with the Site falsely

Calculator and Information Accuracy

No Guarantee of Accuracy

While we strive to provide accurate calculations and information:

  • Calculator results are estimates based on standard mortgage formulas
  • Actual results may vary based on your specific mortgage terms and lender policies
  • We do not guarantee the accuracy, completeness, or reliability of any calculations or information
  • You should verify all calculations with your mortgage lender

Your Responsibility

You are solely responsible for:

  • The accuracy of the information you input into the calculator
  • Verifying results with qualified professionals
  • Any decisions you make based on calculator results
  • Understanding your specific mortgage terms and conditions

Not Financial Advice

Important: The Site provides tools and information for educational purposes only. We are not providing:

  • Financial, legal, or tax advice
  • Mortgage lending or brokerage services
  • Personalised financial recommendations
  • Professional advisory services

You should consult with qualified financial advisors, mortgage professionals, or other appropriate professionals before making any financial decisions.

Intellectual Property Rights

Our Content

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Mortgage Payoff Calculator. They are protected by copyright, trademark, and other intellectual property laws.

Your Use of Our Content

You are granted a limited, non-exclusive, non-transferable license to:

  • Access and use the Site for personal, non-commercial purposes
  • Use the calculator tools for your own mortgage planning
  • Print or download content for personal reference

You may NOT:

  • Reproduce, distribute, modify, or create derivative works from our content
  • Use our content for commercial purposes without permission
  • Remove any copyright or proprietary notices
  • Frame or mirror any content from the Site

Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for:

  • The content of third-party sites
  • Privacy policies of third-party sites
  • Practices of third-party sites

We strongly advise you to review the terms and privacy policies of any third-party sites you visit.

Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, reliability, or completeness of content
  • Uninterrupted or error-free operation

We do not warrant that:

  • The Site will meet your requirements
  • The Site will be available at any particular time or location
  • Any defects or errors will be corrected
  • The Site is free of viruses or other harmful components

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO:

  • Direct, indirect, incidental, or consequential damages
  • Loss of profits, revenue, data, or use
  • Personal injury or property damage
  • Damages resulting from use or inability to use the Site
  • Damages resulting from reliance on any information obtained from the Site
  • Financial losses from decisions made based on calculator results

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

Indemnification

You agree to defend, indemnify, and hold harmless Mortgage Payoff Calculator and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with:

  • Your access to or use of the Site
  • Your violation of these Terms
  • Your violation of any rights of another person or entity
  • Any decisions you make based on information from the Site

Changes to the Site

We reserve the right to:

  • Modify or discontinue the Site (or any part of it) at any time
  • Change these Terms at any time
  • Restrict access to some parts of the Site, or the entire Site, to users

We will make reasonable efforts to notify you of significant changes, but we are not obligated to do so.

Changes to Terms

We may update these Terms from time to time. When we do:

  • We will post the new Terms on this page
  • We will update the “Last Updated” date
  • Changes become effective immediately upon posting

Your continued use of the Site after changes constitutes acceptance of the new Terms.

Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including:

  • Breach of these Terms
  • Engaging in prohibited activities
  • At our sole discretion

Upon termination, your right to use the Site will immediately cease.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

Any legal action or proceeding relating to these Terms or the Site shall be instituted in the courts of [Your Jurisdiction], and you consent to the personal jurisdiction of such courts.

Dispute Resolution

In the event of any dispute arising from these Terms or your use of the Site, you agree to first attempt to resolve the dispute informally by contacting us.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Mortgage Payoff Calculator regarding the use of the Site.

Contact Information

If you have any questions about these Terms of Service, please get in touch with us:

Mortgage Payoff Calculator
Website: https://mortgage-payoffcalculator.com
Contact Page: Contact Us

Acknowledgment

By using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.