Terms of Use

1. Acceptance of terms

By accessing calcrefi.com (the "Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site.

2. Educational tools only — no financial advice

The Site provides free calculators and educational content about mortgage refinancing. All results are estimates based on the figures you enter and standard amortization formulas. Nothing on the Site constitutes financial, legal, or tax advice, a loan offer, a rate quote, or a recommendation to enter into any transaction. Actual rates, payments, fees, and eligibility vary by lender and your individual circumstances. Always verify figures with a licensed mortgage professional before making financial decisions.

3. No lender relationship

CalcRefi is not a lender, mortgage broker, loan originator, or financial advisor, and using the Site creates no client or advisory relationship.

4. Third-party links

The Site may contain links to third-party websites, including clearly labeled affiliate links from which we may earn a commission. We do not control and are not responsible for third-party sites, their content, or their terms. Your dealings with any third party are solely between you and that party.

5. Intellectual property

The Site's content, design, and code are owned by CalcRefi and protected by applicable law. You may use the Site for personal, non-commercial purposes; you may not scrape, reproduce, or republish the Site's content without permission.

6. Disclaimer of warranties

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free.

7. Limitation of liability

To the maximum extent permitted by law, CalcRefi shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on its content or calculations.

8. Changes

We may modify these Terms at any time by posting an updated version on this page. Continued use of the Site after changes constitutes acceptance.

9. Contact

Questions about these Terms? Email info@calcrefi.com.