Updated on 2025-11-12

Terms of Service

Welcome to 50 Year Mortgage Calculator. By accessing or using our website and calculator tools, you agree to be bound by these Terms of Service. Please read them carefully before using our platform.

1. Acceptance of Terms

By accessing and using 50 Year Mortgage Calculator ("the Service"), you acknowledge that you have read, understood, 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 Service.

These terms apply to all visitors and users of the Service.

2. Description of Service

50 Year Mortgage Calculator provides:

• Free mortgage calculation tools for estimating monthly payments, interest, and amortization schedules
• Educational resources about mortgage financing and long-term home loans
• Comparison tools for evaluating different mortgage terms
• Financial planning information and guidance
• Informational content about 50-year mortgages and home financing

Our Service is provided free of charge for informational and educational purposes only.

3. No Financial Advice

IMPORTANT: The Service provides calculator tools and educational information only. We do NOT provide:

• Financial advice or recommendations
• Mortgage lending services
• Loan approval or pre-qualification
• Professional financial planning services
• Legal or tax advice

All calculations and information are for estimation purposes only. You should:

• Consult with licensed mortgage professionals before making financing decisions
• Verify all calculations with qualified financial advisors
• Seek independent advice for your specific financial situation
• Not rely solely on our calculator for financial decisions

4. Accuracy and Disclaimers

Calculator Accuracy

While we strive for accuracy, we make no guarantees regarding:

• The precision of calculations
• The applicability of results to your specific situation
• The accuracy of interest rate estimates
• The completeness of information provided

No Warranties

The Service is provided "as is" without warranties of any kind, including:

• Fitness for a particular purpose
• Accuracy or reliability of calculations
• Uninterrupted or error-free operation
• Suitability for mortgage decisions

Actual Loan Terms

Actual mortgage terms may vary significantly based on:

• Your credit score and financial history
• Lender-specific requirements and rates
• Market conditions and economic factors
• Geographic location and property type
• Down payment amount and loan-to-value ratio

5. User Eligibility and Responsibilities

To use 50 Year Mortgage Calculator, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into agreements
• Use the Service for lawful purposes only
• Not misuse or attempt to compromise the Service

6. Acceptable Use Policy

When using our Service, you agree NOT to:

• Use automated bots or scrapers to access the Service without permission
• Attempt to reverse engineer, decompile, or hack the Service
• Distribute malware, viruses, or malicious code
• Interfere with or disrupt the Service or servers
• Copy, reproduce, or redistribute our content without permission
• Misrepresent yourself or your affiliation
• Use the Service for illegal purposes
• Violate any applicable laws or regulations

7. Intellectual Property Rights

Our Content

• All content on 50 Year Mortgage Calculator, including text, graphics, logos, calculator tools, and design, is owned by us or our licensors
• Content is protected by copyright, trademark, and other intellectual property laws
• You may use the calculator for personal, non-commercial purposes
• You may not copy, modify, distribute, or create derivative works without written permission

Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use the calculator tools for personal use
• View and read educational content on our website
• Share links to our website (but not copy our content)

Commercial use requires separate written permission.

8. Third-Party Links

Our Service may contain links to third-party websites, including:

• Mortgage lenders and financial institutions
• Educational resources and articles
• Government financial resources
• Partner services

We are not responsible for:

• Third-party content, services, or practices
• The accuracy of information on external sites
• Privacy policies of linked websites
• Any transactions with third parties

Use of third-party services is at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law:

No Liability for Financial Decisions

We are NOT liable for:

• Any financial decisions made based on our calculator results
• Losses resulting from reliance on our information
• Inaccurate calculations or estimates
• Differences between estimated and actual loan terms

General Limitation

• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed $100 USD
• We are not responsible for losses, damages, or expenses arising from your use of the Service

Third-Party Actions

We are not liable for:

• Actions or omissions of mortgage lenders
• Loan denials or adverse financial outcomes
• Third-party service failures or errors

10. Indemnification

You agree to indemnify and hold harmless 50 Year Mortgage Calculator, its owners, operators, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Service
• Violation of these Terms of Service
• Violation of any laws or third-party rights
• Financial decisions made using our tools

11. Privacy and Data

We respect your privacy and do not:

• Store your financial calculation inputs
• Track your personal financial information
• Share your data with mortgage lenders
• Require account creation or personal information

All calculations are performed locally in your browser. See our Privacy Policy for complete details.

12. Modifications to Service and Terms

Service Changes

We reserve the right to:

• Modify, update, or discontinue any part of the Service at any time without notice
• Change calculator features or algorithms
• Update educational content and resources
• Temporarily suspend the Service for maintenance

Terms Updates

• We may update these Terms of Service periodically
• Continued use of the Service after changes constitutes acceptance
• The "Last Updated" date indicates the latest revision
• We recommend reviewing these terms regularly

13. Governing Law

These Terms are governed by the laws of the United States and the jurisdiction where our Service operates, without regard to conflict of law principles.

Any disputes shall be resolved through:

• Good-faith negotiation between parties
• Binding arbitration if negotiation fails
• Courts of competent jurisdiction as a last resort

14. Severability

If any provision of these Terms is found unenforceable or invalid, the remaining provisions remain in full effect. The unenforceable provision will be modified to reflect the parties' intent to the extent permitted by law.

15. No Professional Relationship

Use of this Service does not create:

• A financial advisor-client relationship
• A mortgage broker-client relationship
• An attorney-client relationship
• Any fiduciary duty on our part

We are not acting as your financial advisor, mortgage broker, or representative.

16. Contact Information

For questions, concerns, or notices regarding these Terms of Service:

• Email: [email protected]
• Twitter/X: @mortgagecalc50
• Response Time: We aim to respond within 5 business days

17. Entire Agreement

These Terms of Service, along with our Privacy Policy, constitute the entire agreement between you and 50 Year Mortgage Calculator regarding your use of the Service.

18. Acknowledgment

By using 50 Year Mortgage Calculator, you acknowledge that:

• You have read and understood these Terms of Service
• You agree to be bound by these terms
• You understand this Service provides estimates only, not financial advice
• You will consult with qualified professionals before making mortgage decisions
• You use the Service at your own risk

Last Updated: 2025-11-12

Thank you for using 50 Year Mortgage Calculator. We hope our tools help you make informed home financing decisions!