Terms of Service

These Terms of Service ("Terms") govern your use of Instant Mortgage Calculator, including our calculator tools, blog content, and agent referral program (together, "the Site"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Use of the Site

The Site provides free mortgage, refinance, amortization, and rent-vs-buy calculators, along with related educational articles. You may use these tools for personal, non-commercial reference. You agree not to misuse the Site — including attempting to disrupt its operation, scrape or republish its content at scale without permission, or use it for any unlawful purpose.

No Financial, Lending, or Legal Advice

Nothing on the Site constitutes financial, lending, tax, or legal advice. All calculator outputs are estimates for informational and educational purposes only, not loan offers, quotes, or guarantees of approval. See our full Disclaimer for details.

Intellectual Property

The Site's design, calculator tools, and written content are owned by Instant Mortgage Calculator unless otherwise noted. You may share links to our pages and quote brief excerpts with attribution, but you may not copy, republish, or redistribute substantial portions of our content or tools without prior written permission.

Third-Party Advertising & Affiliate Links

The Site displays advertisements through Google AdSense and may include affiliate links to third-party lenders and services. We may earn a referral fee if you click an affiliate link and complete an action on the linked site. Advertisements and affiliate links do not constitute an endorsement, and we are not responsible for the content, accuracy, or practices of any linked third-party site. See our Privacy Policy for details on cookies and ad tracking.

Agent Referral Program

Real estate agents may register for a personalized calculator link through our agent program. Agents are independent third parties, not employees or representatives of Instant Mortgage Calculator. We do not verify agent licenses or professional standing, and registering for the program does not create any partnership, employment, or agency relationship between you and Instant Mortgage Calculator.

Newsletter & Communications

If you subscribe to email updates, you consent to receive occasional emails related to the calculator you used. You may unsubscribe at any time using the link provided in any email we send.

No Warranty

The Site and its calculators are provided "as is" and "as available," without warranties of any kind, express or implied, including that the Site will be error-free, uninterrupted, or that calculation results will be accurate for your specific circumstances.

Limitation of Liability

To the fullest extent permitted by law, Instant Mortgage Calculator shall not be liable for any indirect, incidental, or consequential damages, including financial losses, arising from your use of, or reliance on, the Site or its calculators.

Changes to These Terms

We may update these Terms periodically. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We will update the "Last updated" date above when changes are made.

Governing Law

These Terms are governed by the laws of the United States and the state in which Instant Mortgage Calculator operates, without regard to conflict-of-law principles.

Contact

Questions about these Terms can be sent to hello@instantmortgagecalculator.net.