Terms of Service

1. Acceptance of Terms

By accessing and using the Mortgage Calculator website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Mortgage Calculator provides online tools and resources for calculating mortgage payments, interest, and amortization schedules. We offer educational content about mortgages, home buying, and financial planning.

Our Service is provided free of charge for personal, non-commercial use.

3. User Responsibilities

As a user of our Service, you agree to:

• Provide accurate information when using our calculators
• Use the Service only for lawful purposes
• Not attempt to interfere with or disrupt the Service
• Not use the Service for any fraudulent or illegal activities
• Not attempt to gain unauthorized access to any part of the Service

4. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of Mortgage Calculator or its content suppliers and is protected by international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

• Your computer may temporarily store copies of materials for access and viewing
• You may store files that are automatically cached by your web browser
• You may print or download one copy of a reasonable number of pages for personal use

5. User-Generated Content

If you submit any content to our website (comments, reviews, etc.), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, publish, and distribute that content.

6. Prohibited Activities

You may not use our Service to:

• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Harass, abuse, or harm another person
• Upload or transmit viruses or malicious code
• Collect or track personal information of others
• Spam, phish, or engage in unethical marketing
• Interfere with the proper functioning of the Service

7. Third-Party Services

Our Service may contain links to third-party websites or services that are not owned or controlled by Mortgage Calculator. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

8. Disclaimer of Warranties

THE SERVICE IS 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, OR NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that the results obtained from using the Service will be accurate or reliable.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MORTGAGE CALCULATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Service
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, or other malicious code transmitted through the Service
• Any errors or omissions in any content or for any loss or damage incurred

10. Indemnification

You agree to defend, indemnify, and hold harmless Mortgage Calculator and its licensees and licensors from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses resulting from or arising out of:

• Your use of and access to the Service
• Your violation of these Terms
• Your violation of any third-party right
• Any claim that your content caused damage to a third party

11. Termination

We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

13. Governing Law

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

14. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

15. Contact Information

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