Terms and Conditions

Last updated: December 29, 2024

1. Agreement to Terms

By accessing and using the Mortgage Calculator 50 platform ("Platform", "we", "our", or "us"), you agree to these Terms and Conditions ("Terms"). If you disagree with any part of these Terms, you must not use our Platform.

2. Platform Description

Our Platform provides mortgage calculation services, including:

  • Maximum Loan Amount calculations
  • Interest Rate estimations
  • Down Payment optimization
  • Maximum Home Price calculations
  • Monthly payment estimates (Principal & Interest, Property Taxes, Insurance, Maintenance)
  • State-specific requirements analysis
  • Tax deduction opportunity information

3. Disclaimer and Limitations

3.1 Accuracy of Calculations

The mortgage calculations provided by this platform are based on publicly available data and information sourced from reputable online resources. While we strive to ensure the accuracy and timeliness of this information, some data may become outdated or may not reflect the latest changes in federal, state, or local regulations within the United States.

3.2 No Financial Advice

THE PLATFORM DOES NOT PROVIDE FINANCIAL, LEGAL, OR PROFESSIONAL ADVICE. All information and calculations are for informational purposes only. Users should consult with qualified financial advisors, mortgage professionals, or legal experts for personalized advice.

3.3 Not an Offer

The calculations and information provided do not constitute an offer, guarantee, or pre-approval for any mortgage product or loan.

3.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE PLATFORM, ITS OWNERS, OPERATORS, OR AFFILIATES BE LIABLE FOR ANY DAMAGES ARISING FROM THE USE OF THE PLATFORM OR RELIANCE ON ITS CALCULATIONS. THIS INCLUDES, BUT IS NOT LIMITED TO:

  • Financial decisions made based on Platform calculations
  • Errors in calculations or data presentation
  • Platform unavailability or technical issues
  • Any direct, indirect, incidental, or consequential damages

4. Consent to Data Collection

By using our Platform, you consent to the collection and processing of analytics data via Google Analytics. This includes anonymous information such as website traffic, session duration, and user interactions. For more details, please refer to our Privacy Policy.

5. Acceptable Use

5.1 Permitted Use

You may use the Platform for personal or commercial information gathering purposes, subject to these Terms.

5.2 Prohibited Activities

You may not:

  • Attempt to bypass, disable, or interfere with Platform security features
  • Embed or integrate the calculator into other websites
  • Use automated systems or scripts to access the Platform
  • Attempt to reverse engineer the Platform
  • Use the Platform in any way that could damage or overburden it

6. Service Availability

While we strive to maintain Platform availability, we do not guarantee uninterrupted access. Service may be interrupted due to:

  • Technical issues
  • Host provider maintenance
  • Other circumstances beyond our control

7. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Platform. Your continued use of the Platform after changes constitutes acceptance of the modified Terms, including changes related to data collection and analytics.

8. Contact Information

For questions about these Terms, please contact us at:
Email: mortgage.calculator50@gmail.com