Terms of Service

Agreement to Terms

By accessing or using MyLoanCalcs at myloancalcs.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. These terms apply to all visitors and users of the Site.

Description of Service

MyLoanCalcs provides free online financial calculators and educational content related to loans, mortgages, and personal finance. Our tools are designed to provide general estimates and educational information only. All services are provided free of charge and do not require registration.

Not Financial Advice

The calculators, results, and content on MyLoanCalcs are for informational and educational purposes only and do not constitute financial, legal, tax, or investment advice.

Calculator results are estimates based on the inputs you provide and standard mathematical formulas. Actual loan terms, payments, interest rates, and costs will vary based on your specific circumstances, creditworthiness, lender policies, and applicable laws. Always consult a qualified financial advisor, lender, or other professional before making financial decisions.

Accuracy of Information

We strive to provide accurate calculator formulas and educational content sourced from official agencies including Freddie Mac, the Federal Reserve, FHA, VA, FHFA, Fannie Mae, the MBA, and the CFPB. However, we make no warranty, express or implied, regarding the accuracy, completeness, or suitability of any information on the Site for any particular purpose. We are not responsible for errors or omissions, or for results obtained from use of this information.

Acceptable Use

You agree to use MyLoanCalcs only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to any portion of the Site or its related systems
• Scrape, crawl, or systematically download content from the Site without written permission
• Reproduce, distribute, or create derivative works from Site content for commercial purposes without our express written permission
• Use the Site to transmit unsolicited commercial communications
• Introduce malicious code, viruses, or other harmful material to the Site

Intellectual Property

The content, design, code, logos, and materials on MyLoanCalcs are owned by or licensed to us and are protected by copyright and other intellectual property laws. You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any Site content without our express written permission.

Third-Party Advertising

The Site displays advertisements served by Google AdSense. We are not responsible for the content of third-party advertisements or the products and services they promote. Clicking on advertisements may direct you to third-party websites governed by their own terms and privacy policies. Our editorial content is produced independently and is not influenced by advertisers.

Disclaimer of Warranties

The Site and its 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, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, MyLoanCalcs and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site, including but not limited to financial losses resulting from reliance on calculator results or educational content.

External Links

The Site may contain links to third-party websites including official government and agency sources. These links are provided for reference and convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Contact Us

If you have questions about these Terms of Service, please contact us at contact@myloancalcs.com.