Terms of Service

1. Agreement to Terms

By accessing or using LoanMath (available at loanmath.co), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must immediately cease using our website and calculator services.

2. Permitted Use

LoanMath provides free mortgage payment estimation tools and financial educational content. You agree to use these tools for personal or informational purposes only. You may not:

• Use automated scripts, bots, or scrapers to extract calculation logic or web page content.
• Attempt to disrupt or interfere with the security or performance of our servers.
• Frame or mirror any portion of the mortgage calculators without prior written authorization.

3. Estimations and Disclaimer of Mortgage Advice

All calculators on LoanMath are mathematical tools designed to estimate monthly payments, home affordability ratios, amortization tables, early payoff savings, and rent vs. buy comparisons.

Important: These calculations are estimates and do not guarantee final mortgage approval, interest rates, or exact loan parameters. Actual mortgage metrics vary due to specific lender fees, property tax assessments, homeowners insurance policies, private mortgage insurance (PMI) criteria, or market movements. LoanMath does not provide certified legal, financial, or mortgage lending advice. You should consult a qualified Certified Public Accountant (CPA), financial advisor, or licensed mortgage broker before making significant real estate, lending, or financial decisions.

4. Limitation of Liability

In no event shall the operators of LoanMath, its developers, or affiliates be liable for any direct, indirect, incidental, or consequential damages (including, but not limited to, financial loss, tax penalties, failed property purchases, or miscalculated interest savings) arising from your use of or reliance on our calculator tools or educational content. The site is provided on an "as-is" and "as-available" basis.

5. Intellectual Property

The designs, calculations, formulas, text copy, images, and codebase components of LoanMath are protected by copyright, trademark, and other intellectual property laws. You may copy sections of our educational guides for personal reference, but commercial reproduction or distribution of our proprietary assets is strictly prohibited.

6. Third-Party Websites

Our articles and guides may contain hyperlinks to external sites operated by third parties, such as regulatory financial bodies or official government housing agency websites. We have no control over the content, privacy policies, or terms of these external sites and accept no responsibility for them.