Terms of Service

Acceptance of Terms

By accessing, browsing, or using First Mortgage Calculator ("we," "us," "our," or "the Service"), you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must immediately cease using the Service.

These Terms constitute a legally binding agreement between you and First Mortgage Calculator. By continuing to use our Service, you represent that you are at least 18 years of age and have the legal authority to enter into this agreement.

Description of Service

First Mortgage Calculator is a free online tool that provides mortgage payment calculations and related financial estimates. Our service includes:

• Basic mortgage payment calculations
• FHA, VA, and refinance loan calculations
• Affordability and investment property analysis
• Property tax estimates based on location
• Educational content about mortgages and home buying

Disclaimer of Warranty

IMPORTANT: All calculations provided by this service are estimates only and should not be considered as professional financial advice. The information is provided "as is" without warranty of any kind, either expressed or implied.

• Actual loan terms may vary significantly from estimates
• Interest rates, taxes, and insurance costs change frequently
• Final loan approval depends on many factors not considered in our calculations
• Property tax estimates are based on general data and may not reflect actual costs

Limitation of Liability

In no event shall First Mortgage Calculator or its operators be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of this service, including but not limited to:

• Financial decisions based on our calculations
• Errors or inaccuracies in calculations or data
• Loss of profits or business opportunities
• Technical interruptions or service unavailability
• Third-party data or service failures

User Responsibilities

By using our service, you agree to:

• Provide accurate information for calculations
• Use the service only for lawful purposes
• Not attempt to reverse engineer or copy our software
• Not use automated tools to access our service excessively
• Verify all calculations with qualified financial professionals
• Understand that our estimates are not guaranteed loan terms

Intellectual Property

The First Mortgage Calculator service, including its design, functionality, text, graphics, and software, is owned by us and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our service
• Frame or embed our content on other websites

Third-Party Services

Our service may integrate with third-party APIs and services for data such as:

• Current mortgage rates from government sources
• Property tax information from public records
• Analytics and performance monitoring

We are not responsible for the accuracy, availability, or privacy practices of these third-party services.

Privacy and Data

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our service, you consent to the collection and use of information as outlined in our Privacy Policy.

Service Availability

We strive to provide reliable service but cannot guarantee:

• Continuous, uninterrupted access to our service
• Error-free operation
• Compatibility with all devices and browsers
• Availability during maintenance periods

We reserve the right to modify, suspend, or discontinue the service at any time without notice.

Professional Advice Disclaimer

This service does not provide professional financial, legal, or tax advice. You should consult with qualified professionals for:

• Mortgage loan applications and approvals
• Legal advice regarding real estate transactions
• Tax implications of home ownership
• Investment strategy and financial planning
• Insurance needs and coverage decisions

Termination

We may terminate or suspend your access to our service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the service will cease immediately.

Governing Law and Dispute Resolution

These Terms shall be interpreted and governed by the laws of the United States and the State of Delaware, without regard to conflict of law provisions. The exclusive jurisdiction for any legal proceedings shall be the state and federal courts located in Delaware.

Arbitration Clause: Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted before a single arbitrator and shall take place in Delaware. Each party shall bear its own costs and fees, including attorney's fees, unless the arbitrator determines otherwise.

Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the service after any changes constitutes acceptance of the new Terms.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and First Mortgage Calculator regarding your use of the Service and supersede all prior agreements, understandings, and communications, whether written or oral, relating to the subject matter herein.

Contact Information

If you have any questions, concerns, or legal inquiries about these Terms of Service, please contact us using the following information:

For technical support or general questions about using our calculator, please use our standard support channels available on our main website.