Terms of Service

1. Acceptance of Terms

By accessing or using the Mortgage Loan Calculator website ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

The Mortgage Loan Calculator provides free online tools for calculating mortgage payments, including principal, interest, taxes, insurance, and PMI. Our services include:

• • Mortgage payment calculations
• • Amortization schedule generation
• • Educational content about mortgages
• • Comparison tools for different loan scenarios
• • General financial information and guides

3. User Obligations

When using our Service, you agree to:

3.1 Acceptable Use

• • Use the Service only for lawful purposes
• • Provide accurate information when using calculators
• • Not attempt to disrupt or damage the Service
• • Not use automated systems to access the Service excessively
• • Respect intellectual property rights
• • Not impersonate others or misrepresent affiliations

3.2 Prohibited Activities

You may NOT:

• • Attempt to gain unauthorized access to our systems
• • Use the Service for illegal or fraudulent purposes
• • Transmit viruses, malware, or harmful code
• • Scrape or harvest data without permission
• • Violate any applicable laws or regulations
• • Interfere with other users' access to the Service

4. Intellectual Property Rights

4.1 Our Content

All content on this website, including text, graphics, logos, images, audio clips, digital downloads, and software, is our property or licensed to us and is protected by international copyright laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include:

• • Modification or copying of the materials
• • Commercial use or public display
• • Decompiling or reverse engineering any software
• • Removing copyright or proprietary notations

4.3 User Content

Any feedback, suggestions, or ideas you provide become our property and may be used without compensation to you.

5. Disclaimers and Limitations

5.1 No Financial Advice

WE DO NOT PROVIDE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. Our calculator is a tool for educational and informational purposes only. Always consult qualified professionals before making financial decisions.

5.2 Accuracy Disclaimer

While we strive for accuracy, we make no guarantees that:

• • Calculations are error-free or complete
• • Results reflect actual loan terms you may receive
• • Information is current or applicable to your situation
• • The Service will be uninterrupted or secure

5.3 No Warranties

We disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any:

• • Indirect, incidental, special, or consequential damages
• • Loss of profits, revenue, data, or use
• • Damages from reliance on our calculations
• • Damages from third-party actions or content
• • Damages from Service interruptions or changes

7. Indemnification

You agree to indemnify, defend, and hold harmless the Mortgage Calculator Team, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• • Your use or misuse of the Service
• • Your violation of these Terms
• • Your violation of any third-party rights
• • Any content you submit or transmit through the Service

8. Privacy and Data Protection

Your use of our Service is also governed by our Privacy Policy. By using the Service, you consent to:

• • Collection and use of information as described in the Privacy Policy
• • Use of cookies and tracking technologies
• • Data processing for Service improvement
• • Communication about Service updates (if subscribed)

See our Privacy Policy for details.

9. Third-Party Services and Links

9.1 Third-Party Services

We use various third-party services:

• • Google Analytics: Usage analytics
• • Google AdSense: Advertising
• • Vercel: Hosting services

9.2 External Links

Our Service may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of these external sites.

10. Modifications to Service and Terms

10.1 Service Changes

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We shall not be liable for any modification, suspension, or discontinuance.

10.2 Terms Updates

We may update these Terms at any time. Updates will be posted on this page with a new "Last Updated" date. Continued use after changes constitutes acceptance of the new Terms.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including:

• • Breach of these Terms
• • Conduct we believe is harmful to other users
• • Conduct that could create liability for us
• • Upon your request

Upon termination, your right to use the Service ceases immediately.

12. Governing Law and Disputes

12.1 Governing Law

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

12.2 Dispute Resolution

Any disputes arising from these Terms or the Service shall be resolved through:

1. Good faith negotiation
2. Mediation (if negotiation fails)
3. Binding arbitration in Shenzhen, China (if mediation fails)

12.3 Class Action Waiver

You agree to resolve disputes with us on an individual basis and waive any right to participate in class actions or class arbitrations.

13. General Provisions

13.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force.

13.3 Waiver

Our failure to enforce any right or provision shall not be considered a waiver of those rights.

13.4 Assignment

You may not assign or transfer these Terms. We may assign our rights and obligations without restriction.

14. Contact Information