Terms of Service

1. Acceptance of Terms

By accessing or using AmCalc.com ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

AmCalc provides online mortgage calculators and educational financial content. Our tools include mortgage payment calculators, refinance comparison calculators, extra payment calculators, and state-specific mortgage information.

3. Educational Purpose Only

AmCalc is an educational tool, not a financial advisor, lender, or broker. All calculations, estimates, and state-specific information are provided for general informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice.

You should consult with qualified professionals — including licensed mortgage lenders, financial advisors, tax professionals, and attorneys — before making any financial decisions. Actual loan terms, interest rates, closing costs, and savings will vary based on your individual circumstances, creditworthiness, lender policies, and market conditions.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, AmCalc makes no warranties or representations regarding the accuracy, completeness, or timeliness of any content. State-specific data including median home prices, tax rates, and regulatory information may change without notice. Calculator results are estimates based on the inputs you provide and standard amortization formulas.

5. Affiliate Relationships

AmCalc may contain links to third-party websites and may receive compensation from partner sites. These affiliate relationships do not influence our editorial content or calculator functionality. We are not responsible for the content, accuracy, or practices of any third-party websites.

6. User Accounts

Some features may require creating an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

7. Intellectual Property

All content, design, and functionality of AmCalc are owned by Jadaru.co and are protected by copyright and other intellectual property laws. You may use the Service for personal, non-commercial purposes.

8. Limitation of Liability

To the fullest extent permitted by law, AmCalc and Jadaru.co shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, or goodwill, arising from your use of the Service or reliance on any information provided.

9. Changes to Terms

We may update these Terms of Service from time to time. Continued use of the Service after changes constitutes acceptance of the revised terms. We encourage you to review this page periodically.

10. Contact

Questions about these Terms of Service may be directed to: Contact Us

AmCalc is operated by Jadaru.co, 4804 NW Bethany Blvd, STE I-2 #412, Portland, OR 97229.