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Terms of Service

Terms of Service

Last updated: September 8, 2026

Acceptance of Terms

By accessing and using PrimeMortgageCalc ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"), together with our Privacy Policy and Disclaimer, which are incorporated here by reference. If you disagree with any part of these Terms, you may not access our website. You represent that you are at least 18 years old and capable of entering a binding agreement, and that you will use the site only in compliance with applicable law.

These Terms apply to every visitor, whether you use a calculator once, return regularly, or link to us from another site. Continued use of the site after any revision of these Terms constitutes acceptance of the revised Terms.

Use License and Acceptable Use

Permission is granted to temporarily use PrimeMortgageCalc for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials
  • Use the materials for any commercial purpose or public display
  • Transfer the materials to another person or entity
  • Attempt to reverse engineer any software contained on the website
  • Remove any copyright or other proprietary notations from the materials
  • Republish, resell, or white-label our calculators as your own product or service

You agree not to scrape the site at scale, submit automated traffic that degrades service, probe or test the security of the site, misrepresent your affiliation with us, or use our content to mislead a consumer about loan terms or pricing. Framing the site inside another property requires our written permission.

No Financial Advice

The mortgage calculators and information provided on PrimeMortgageCalc are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice, and they are not an offer, pre-approval, or commitment to lend.

Mortgage calculations are based on standard formulas and provide estimates only. Actual loan terms, interest rates, and payments vary by lender and depend on factors including credit score, debt-to-income ratio, property type, loan-level price adjustments, and market conditions.

Always consult with a licensed mortgage professional, financial advisor, or qualified expert before making any financial decisions. Results from our calculators should be used as starting points for discussion with lenders, not as final loan offers. You are solely responsible for decisions you make based on figures shown on this site.

Intellectual Property

The content, design, and functionality of PrimeMortgageCalc are protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted in these Terms are reserved. This includes the calculators, the formula implementations, the tables, the graphics, the written guides, and the site's visual design.

You may quote brief passages with clear attribution and a link back to the original page. You may not copy our calculator logic, reproduce our tables wholesale, republish our guides in full, or use our name or marks in a way that suggests sponsorship or endorsement. Requests for broader reuse can be sent through our contact page.

User Conduct

By using this website, you agree to:

  • Provide accurate information when using our calculators, understanding that results are only as good as your inputs
  • Verify all calculations with a qualified professional before relying on them
  • Not use the website for any unlawful, fraudulent, or misleading purpose
  • Not attempt to gain unauthorized access to any part of the website or its systems
  • Not interfere with the website's operation, security, or performance, including through denial-of-service traffic
  • Not upload or transmit malicious code, or use the contact form to send spam or unsolicited marketing

We may restrict access from any visitor whose behavior threatens the site or its users.

Disclaimer of Warranties

THE MATERIALS ON PRIMEMORTGAGECALC'S WEBSITE ARE PROVIDED ON AN 'AS IS' BASIS. PRIMEMORTGAGECALC MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND HEREBY DISCLAIMS AND NEGATES ALL OTHER WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS.

FURTHER, PRIMEMORTGAGECALC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS CONCERNING THE ACCURACY, LIKELY RESULTS, OR RELIABILITY OF THE USE OF THE MATERIALS ON ITS WEBSITE OR OTHERWISE RELATING TO SUCH MATERIALS OR ON ANY SITES LINKED TO THIS SITE. IN PARTICULAR, WE DO NOT WARRANT THAT ANY CALCULATOR IS FREE OF ERROR, THAT ANY DEFAULT VALUE IS CURRENT, OR THAT ANY PROJECTION WILL MATCH AN OUTCOME.

Limitation of Liability

IN NO EVENT SHALL PRIMEMORTGAGECALC OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION) ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS ON PRIMEMORTGAGECALC'S WEBSITE, EVEN IF PRIMEMORTGAGECALC OR A PRIMEMORTGAGECALC AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGE.

To the maximum extent permitted by law, we are not liable for indirect, incidental, consequential, or punitive damages, or for financial losses arising from a loan decision, a refinance, a rate lock, or any other transaction entered into in reliance on our content. Where liability cannot be excluded, it is limited to the greater of the amount you paid to use the site or one hundred US dollars.

Indemnification

You agree to indemnify, defend, and hold harmless PrimeMortgageCalc and its operators, editors, and contractors from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your misuse of the site, your violation of these Terms, your violation of any law or third-party right, or your reliance on any figure produced by our calculators for a financial decision. This obligation survives your use of the site and the termination of these Terms.

Third-Party Links

PrimeMortgageCalc has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by PrimeMortgageCalc of the site. Use of any such linked website is at the user's own risk, and you should review the terms and privacy policy of any third-party site you visit from ours.

Termination

We may suspend or terminate access to the site at any time, without notice and without liability, for conduct that violates these Terms, harms other users, or threatens the security or performance of the site. You may stop using the site at any time; because there is no account to close, no further action is required. Sections concerning intellectual property, disclaimers, limitation of liability, indemnification, governing law, and severability survive termination.

Accuracy of Materials

The materials appearing on PrimeMortgageCalc's website could include technical, typographical, or photographic errors. PrimeMortgageCalc does not warrant that any of the materials on its website are accurate, complete, or current. PrimeMortgageCalc may make changes to the materials contained on its website at any time without notice. Corrections we make in response to reader reports are described on our How We Calculate page.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the United States and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location. Any dispute shall be resolved on an individual basis, and you waive any right to bring a claim as a plaintiff or member of a class action.

Changes to Terms

PrimeMortgageCalc may revise these Terms of Service at any time without notice. When we make a material change, we will update the "Last updated" date at the top of this page. By using this website after a revision, you are agreeing to be bound by the then current version of these Terms of Service. If you do not agree to the revised Terms, you must stop using the site.

Severability

If any provision of these Terms is held to be invalid, void, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall continue in full force and effect. No failure by us to enforce any right or provision constitutes a waiver of that right or provision.

Contact Information

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