Terms of Service

Acceptance of Terms

By accessing or using CalcWise at trycalcwise.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. We reserve the right to update these terms at any time — continued use of the Site after changes constitutes acceptance of the updated terms.

Description of Service

CalcWise provides free online financial calculators designed to help US homebuyers and borrowers estimate mortgage payments, affordability, closing costs, loan payoff timelines, and related financial metrics. All calculators are provided free of charge and run entirely in your browser.

Educational Purposes Only — Not Financial Advice

All content and calculator results provided by CalcWise are for educational and informational purposes only. Nothing on this Site constitutes financial, legal, tax, or investment advice.

Calculator results are estimates based on the inputs you provide and general assumptions. They do not account for your complete financial situation, local regulations, lender-specific requirements, or current market conditions. Actual loan terms, interest rates, closing costs, taxes, and payments will vary.

Before making any financial decision — including buying a home, refinancing, or taking out a loan — consult with a licensed mortgage professional, financial advisor, real estate attorney, or tax professional.

CalcWise is not a mortgage lender, financial advisor, real estate broker, or licensed financial institution of any kind.

Accuracy of Information

We make reasonable efforts to ensure the accuracy of our calculators and the information on this Site. However, we make no warranties or representations, express or implied, regarding the accuracy, completeness, reliability, or suitability of any information or calculations provided.

Interest rates, tax rates, insurance costs, and other financial variables change frequently. The defaults and examples used in our calculators may not reflect current market conditions. Always verify current rates and costs with licensed professionals before making financial decisions.

Limitation of Liability

To the fullest extent permitted by law, CalcWise and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — the Site, its calculators, or any information contained therein.

This includes, without limitation, any financial losses, errors in calculation results, or decisions made based on information obtained from this Site.

Intellectual Property

All content on CalcWise — including text, calculator designs, code, graphics, and layout — is the property of CalcWise and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.

You are welcome to link to CalcWise pages and share our calculators with others for non-commercial purposes.

Advertising

CalcWise displays advertisements through Google AdSense. These ads help us keep the site free to use. We do not control the content of advertisements shown on the Site. Advertisement placement does not constitute an endorsement of any product, service, or advertiser.

Third-Party Links

CalcWise may contain links to third-party websites for reference purposes. These links are provided for your convenience and do not signify our endorsement of those sites. We have no control over the content of third-party websites and are not responsible for their content, privacy practices, or terms.

Prohibited Use

You agree not to use CalcWise to:

• Attempt to interfere with or disrupt the Site's functionality
• Use automated tools (bots, scrapers) to access the Site in a way that places excessive load on our servers
• Reproduce or republish our content for commercial purposes without permission
• Use the Site for any unlawful purpose

Governing Law

These Terms of Service are governed by the laws of the United States. Any disputes arising from these terms or your use of the Site shall be resolved in accordance with applicable US law.

Contact

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

CalcWise
Email: valentinzhizajn@gmail.com
Website: trycalcwise.com