Terms of Service

Educational Use Only — Not Financial Advice

MortgageAmortizationCalc.comprovides free calculators and educational content about mortgage amortization. All results are estimates based on the numbers you enter and standard amortization formulas — they are not a loan offer, pre-approval, or guarantee of any rate, payment, or term. We are not a lender, mortgage broker, or licensed financial advisor. Always confirm final figures with your lender's official Loan Estimate or Closing Disclosure, and consult a licensed professional before making financial decisions.

Accuracy of Calculations

We build and test every calculator against standard, published amortization formulas and verify results against known reference calculations. That said, calculators can contain bugs, and inputs can be entered incorrectly — we make no warranty that any result is error-free or fit for a particular purpose. If you spot a discrepancy, please let us know so we can investigate.

Affiliate Relationships and Advertising

This site is monetized through Google AdSense advertising and through affiliate/ referral relationships with mortgage lenders and financial services companies (for example, via the CJ Affiliate network). If you click certain links and go on to use a partner's service, we may earn a referral commission at no additional cost to you. These relationships never influence the accuracy of our calculators or the content of our educational pages — our calculations are the same regardless of which, if any, lender you choose. See our Privacy Policy for details on how affiliate tracking works.

Acceptable Use

You may use this site's calculators for personal, non-commercial financial planning. You may not scrape, republish, or resell the content or tools on this site without permission, or attempt to disrupt the site's normal operation.

Intellectual Property

The text, calculators, formulas presentation, design, and branding on this site are the property of MortgageAmortizationCalc.comunless otherwise noted. You're welcome to link to any page on this site freely. Republishing our written content elsewhere, or building a competing product using our exact page structure and text, isn't permitted without written permission — reach out via our Contact pageif you'd like to discuss reuse.

Third-Party Links

This site links to external sources for context and verification — government agencies like the CFPB, Freddie Mac's rate survey, and lender/affiliate partners. We don't control those sites and aren't responsible for their content, availability, or privacy practices. Links to authoritative sources are chosen for accuracy at the time of publication; if a linked page moves or changes, let us know via our Contact page.

Governing Law

These terms are governed by the laws of the United States, without regard to conflict of law principles. If any provision of these terms is found unenforceable, the remaining provisions continue in full effect.

YMYL Disclaimer (Your Money, Your Life)

Mortgage financing falls into what Google's own quality guidelines call "Your Money or Your Life" (YMYL) content — topics that can materially affect a person's finances. We take that seriously: every calculation is checked by hand, every factual claim is sourced to a primary authority, and every page discloses its author and review date. That said, no calculator can replace a licensed loan officer, financial advisor, or attorney reviewing your specific situation, and this site should be treated as an educational starting point, not a final answer.

No Warranty; Limitation of Liability

This site and its calculators are provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of accuracy, merchantability, or fitness for a particular purpose. To the fullest extent permitted by law, MortgageAmortizationCalc.com and its author are not liable for any direct, indirect, incidental, or consequential damages arising from financial decisions made based on information or calculations found on this site. Your use of this site and reliance on any calculator output is entirely at your own risk.

Changes to These Terms

We may update these terms occasionally. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

Entire Agreement

These terms, together with our Privacy Policy, constitute the entire agreement between you and MortgageAmortizationCalc.com regarding use of this site, superseding any prior understandings on the same subject. Our failure to enforce any provision of these terms is not a waiver of our right to enforce it later.

Contact

Questions about these terms? Email sukielovesupport@gmail.com. These terms apply to https://mortgageamortizationcalc.com.