Terms of Service

Please read these Terms of Service ("Terms") carefully before using SmartMortgageCalc (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you may not use the Site.

1. Description of Service

SmartMortgageCalc provides free online financial calculators, including but not limited to mortgage and personal loan calculators, along with related educational content (collectively, the "Services"). Our calculators are designed to provide estimates only. Actual loan terms, interest rates, monthly payments, and total costs will vary based on your creditworthiness, lender policies, market conditions, and other factors.

2. Not Financial Advice, Not a Lender

• SmartMortgageCalc is not a lender, mortgage broker, bank, or financial advisor.
• We do not originate loans, make credit decisions, or offer binding loan terms.
• All calculations, content, and tools on the Site are for educational and informational purposes only.
• You should always consult a qualified financial advisor, mortgage broker, or lender before making any borrowing or investment decisions.
• We make no representations or warranties regarding the accuracy, completeness, or suitability of any information for your specific financial situation.

3. User Responsibilities

By using the Site, you agree that you will use the Services only for lawful purposes; provide accurate information if voluntarily submitting forms; not use automated systems (robots, scrapers) to access the Site without permission; not attempt to interfere with the proper functioning of the Site; and be at least 18 years of age. You are solely responsible for any decisions you make based on information obtained from the Site.

4. Intellectual Property

All content on SmartMortgageCalc, including text, graphics, logos, calculator interfaces, code, and data compilations, is the property of SmartMortgageCalc or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may: view, download, and print pages for personal, non-commercial use; share links to our calculators on social media or personal websites.

You may not: reproduce, duplicate, copy, sell, or exploit any portion of the Site for commercial purposes without express written permission; modify, republish, or create derivative works from our content; remove copyright or proprietary notices from any materials.

5. Affiliate Links, Third-Party Offers, and Lead Generation

The Site contains links to third-party lenders, financial service providers, and advertisers ("Third-Party Partners"). These links may be affiliate links or lead-generation forms. We may receive compensation if you click on a link, submit a lead form, or complete an application with a Third-Party Partner. We do not control and are not responsible for the content, products, services, privacy practices, or terms of any Third-Party Partner. Your interactions with Third-Party Partners are governed by their respective terms and privacy policies. We do not endorse any specific lender, loan product, or financial service.

6. Disclaimer of Warranties

The Site and Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, or non-infringement; accuracy, reliability, or completeness of calculator results or content; uninterrupted, timely, secure, or error-free access to the Site; that defects or errors will be corrected; and that the Site is free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by applicable law, SmartMortgageCalc and its owners, operators, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or goodwill; personal injury or property damage; errors, mistakes, or inaccuracies in calculator results; financial losses arising from loan decisions made based on Site information; or unauthorized access to or alteration of your transmissions or data.

Our total liability to you for all claims arising from your use of the Site shall not exceed the amount you paid to access the Site (which is zero) or one hundred U.S. dollars ($100), whichever is greater.

8. Indemnification

You agree to indemnify, defend, and hold harmless SmartMortgageCalc and its owners, operators, and affiliates from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site; your violation of these Terms; your violation of any rights of a third party; or your submission of inaccurate or fraudulent information to lenders through our lead forms.

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

10. Changes to These Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be effective immediately upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

11. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Site ceases immediately.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Contact Information

If you have any questions about these Terms, please contact us at:

Email: [email protected]
Business Name: Smartmortgagecalc