Terms of Use

These Terms of Use ("Terms") govern your access to and use of mortgageextrapayment.com (the "Site"). By using the Site, you agree to these Terms.

1. Educational purpose only

The Site provides free calculators and informational content about mortgage extra payments for general educational purposes. Nothing on the Site constitutes financial, legal, tax, or investment advice, and nothing on the Site constitutes an offer or commitment to lend.

2. No warranty on calculations

While we take care to build our calculators using standard, industry-accepted amortization formulas and to test them for accuracy, all results are estimates based solely on the figures you enter. We make no warranty, express or implied, that any calculation is complete, accurate, or suitable for your specific circumstances. Actual loan terms, fees, taxes, insurance, and lender-specific rules may cause real results to differ from calculator estimates.

3. Acceptable use

You agree not to: (a) use the Site for any unlawful purpose; (b) attempt to interfere with, disrupt, or gain unauthorized access to the Site or its underlying systems; (c) scrape, reproduce, or redistribute substantial portions of the Site's content or code without permission; or (d) use automated means to access the Site in a manner that sends more request traffic than a human could reasonably produce.

4. Intellectual property

The Site's design, text, calculators, and underlying code are owned by mortgageextrapayment.com or its licensors and are protected by copyright and other intellectual property laws. You may use the Site for personal, non-commercial purposes, including linking to it, but may not copy or republish substantial portions without permission.

5. Third-party links and advertising

The Site may contain links to third-party websites and may display third-party advertisements (including via Google AdSense). We do not control and are not responsible for the content, accuracy, or practices of third-party sites or advertisers.

6. Limitation of liability

To the fullest extent permitted by law, mortgageextrapayment.com and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Site or reliance on any calculation or content provided by it.

7. Changes to these Terms

We may revise these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

8. Governing law

These Terms are governed by applicable law without regard to conflict-of-law principles, and any disputes shall be resolved in the courts of competent jurisdiction where the Site operator is based.

9. Contact

Questions about these Terms can be sent to hello@mortgageextrapayment.com.