Terms of Service

Last Updated: May 19, 2026

1. Acceptance of Terms

By accessing and using SmartMortgageCalcs, you accept and agree to be bound by these Terms of Service.

2. Use of Service

You may use our calculators and content for personal, non-commercial purposes. You may not use our tools for illegal purposes, attempt unauthorized system access, scrape or harvest content automatically, or misrepresent our content as your own.

3. Intellectual Property

All content on this website — text, images, calculations, and code — is owned by SmartMortgageCalcs or its licensors and is protected by copyright laws.

4. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We make no representations about the accuracy of calculations, reliability of results, or fitness for any particular purpose.

5. Limitation of Liability

IN NO EVENT SHALL SMARTMORTGAGECALCS BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THE SERVICE, including direct, indirect, or incidental damages, loss of profits or data, or decisions made based on our calculations.

6. User-Generated Content

Feedback you submit through our contact form may be used by us to improve our tools and content, royalty-free.

7. Third-Party Links

Our site may link to third-party websites. We are not responsible for their content or practices.

8. Modifications

We may modify these Terms at any time. Continued use after changes constitutes acceptance.

9. Governing Law

These Terms are governed by applicable law without regard to conflict-of-law principles.

10. Contact

Questions about these Terms? Use our Contact page.