Terms of Service

1. Acceptance of Terms

By accessing and using Simple Mortgage Payoff Calculator (the "Website") at simplemortgagepayoffcalculator.com, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our Website or services.

These Terms of Service apply to all visitors, users, and others who access or use the Website. We reserve the right to modify these terms at any time, and your continued use of the Website constitutes acceptance of those changes.

2. Description of Services

Simple Mortgage Payoff Calculator provides free online mortgage calculation tools designed to help users estimate mortgage payments, potential interest savings, and payoff timelines. Our services include:

• Mortgage payoff calculator with basic loan calculations
• Extra payment impact analysis
• Lump sum payment calculations
• Amortization schedule generation
• Escrow estimation features

3. Disclaimer of Warranties

THE INFORMATION AND SERVICES PROVIDED ON THIS WEBSITE ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY. ALL CALCULATIONS AND RESULTS ARE ESTIMATES AND SHOULD NOT BE CONSIDERED FINANCIAL, LEGAL, OR PROFESSIONAL ADVICE.

We make no warranties, expressed or implied, regarding the accuracy, reliability, or completeness of any information or calculations provided. The results from our mortgage payoff calculator are approximations based on the information you provide and may not reflect your actual mortgage terms, payments, or savings.

YOUR USE OF THE WEBSITE AND ITS CONTENT IS AT YOUR OWN RISK. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

4. Limitation of Liability

IN NO EVENT SHALL SIMPLE MORTGAGE PAYOFF CALCULATOR, ITS OWNERS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE WEBSITE OR ITS CONTENT.

This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

5. Professional Advice Disclaimer

The content on this Website is not intended to be a substitute for professional financial advice. Always seek the advice of qualified financial advisors, mortgage professionals, or other qualified professionals with any questions you may have regarding your specific financial situation or mortgage needs.

Before making any financial decisions based on calculations from this Website, we strongly recommend consulting with a licensed mortgage professional, financial advisor, or accountant who can provide personalized guidance based on your individual circumstances.

6. User Responsibilities

By using our Website, you agree to:

• Use the Website only for lawful purposes
• Not attempt to interfere with or disrupt the Website's functionality
• Not attempt to gain unauthorized access to any part of the Website
• Not use automated systems to access the Website without permission
• Verify all calculations with your actual mortgage documents
• Consult professionals before making financial decisions

7. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Simple Mortgage Payoff Calculator or its content suppliers and is protected by intellectual property laws.

You may use the Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this Website without our prior written permission.

8. Third-Party Links and Advertisements

Our Website may contain links to third-party websites and display advertisements from third-party providers, including Google AdSense. These third-party sites and services have their own privacy policies and terms of service, and we are not responsible for their content or practices.

We do not endorse and are not responsible for the content, products, or services offered by third-party websites or advertisers. Interactions with third parties are solely between you and the third party.

9. Indemnification

You agree to indemnify and hold harmless Simple Mortgage Payoff Calculator and its owners, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Website or violation of these Terms of Service.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the modified terms.

11. Termination

We reserve the right to terminate or suspend access to our Website immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms of Service.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the appropriate courts.

13. Contact Information

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