Last Updated: September 11, 2025
1. Introduction and Acceptance of Terms
Welcome to TheMortgagePayoffCalc.com (hereinafter referred to as “the Website,” “we,” “us,” or “our“). These Terms of Service (the “Terms“) constitute a legally binding agreement between you (“User,” “you,” or “your“) and TheMortgagePayoffCalc.com governing your access to and use of our website and any related services, including our mortgage calculator tools and educational content (collectively, the “Services“) .
By accessing, browsing, or using our Website and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately cease all use of the Website and Services .
2. Description of Services
TheMortgagePayoffCalc.com provides an online platform offering:
- Interactive Calculators: Free web-based tools, such as mortgage payoff calculators, that provide users with financial estimates and projections.
- Educational Content: Articles, guides, and informational resources related to mortgages, personal finance, and loan management.
All tools and content provided on the Website are for general informational and educational purposes only and do not constitute professional financial, legal, or tax advice .
3. Use License
a. Grant of License: Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for your personal, non-commercial use .
b. Restrictions: Under this license, you may not:
* Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, or sell any information, software, products, or services obtained from the Website.
* Use the Services for any commercial purpose or public display without our express written consent.
* Attempt to reverse engineer, decompile, or disassemble any software or algorithms underlying our calculators.
* Use any data mining, robots, or similar data gathering and extraction tools on the Website.
* Use the Website in any manner that could disable, overburden, damage, or impair the site .
4. User Responsibilities and Acceptable Use
You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Services:
- In any way that violates any applicable federal, state, local, or international law or regulation.
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
- To impersonate or attempt to impersonate the company, a company employee, another user, or any other person or entity.
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability .
5. Intellectual Property Rights
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by TheMortgagePayoffCalc.com, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws .
Our name, “TheMortgagePayoffCalc.com,” our logo, and all related names, product and service names, designs, and slogans are trademarks of TheMortgagePayoffCalc.com or its affiliates or licensors. You must not use such marks without our prior written permission.
6. Disclaimer of Warranties and Limitation of Liability
a. No Professional Advice: The information and calculations provided by our Services are for informational and educational purposes only. They are not financial advice. You should not act or refrain from acting on the basis of any content included in the Services without seeking appropriate professional advice from a qualified financial advisor, mortgage broker, or attorney. We are not a financial institution, lender, or advisor .
b. Accuracy of Information: While we strive to provide accurate and up-to-date information, we cannot and do not guarantee the accuracy, completeness, or timeliness of any information or calculations on the Website. All calculations are estimates based on the data you provide and should be verified with your financial institution. The actual terms of your mortgage may differ .
c. “As Is” Basis: YOUR USE OF THE WEBSITE AND ITS SERVICES IS AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THEMORTGAGEPAYOFFCALC.COM NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE .
d. Limitation of Liability: TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THEMORTGAGEPAYOFFCALC.COM, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, OR ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES .
7. Indemnification
You agree to defend, indemnify, and hold harmless TheMortgagePayoffCalc.com, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Website .
8. Third-Party Links
The Website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites .
9. Privacy
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Website, you consent to the collection and use of your information as described in our Privacy Policy, which is incorporated into these Terms by reference .
10. Governing Law and Jurisdiction
These Terms and your use of the Website will be governed by and construed in accordance with the laws of the State of [Insert Your State/Country], without regard to its conflict of law provisions. You agree that any legal action or proceeding between you and TheMortgagePayoffCalc.com will be brought exclusively in the courts located in [Insert Your County/State/Country] .
11. Changes to the Terms
We may revise and update these Terms of Service from time to time at our sole discretion. All changes are effective immediately when we post them. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. We will update the “Last Updated” date at the top of these Terms, and we encourage you to review this page periodically for any changes .
12. Contact Information
If you have any questions about these Terms of Service, please contact us at:
- Email: support@themortgagepayoffcalc.com
- Contact Form: Contact Form
Disclaimer: This Terms of Service agreement is provided for informational purposes only and does not constitute legal advice. You should consult with a qualified legal professional to ensure your Terms of Service are appropriate for your specific circumstances and comply with all applicable laws.