Terms of Service

Last updated: April 19, 2026

Acceptance of Terms

By using this site, you agree to these terms.

Informational Purpose Only

Calculator is for general educational purposes, not financial, tax, or legal advice.

Data Sources

Mortgage rate data sourced from Freddie Mac via the FRED API, may not reflect actual loan offers, presets are based on publicly available US market averages.

Calculator Outputs

Estimates based on user inputs and standard assumptions; actual financial outcomes will vary.

Affiliate Disclosure

This site may earn commissions from partner links shown on the results page; affiliate compensation does not influence calculator outputs.

User Responsibility

Users assume all responsibility for financial decisions made based on calculator outputs.

Limitation of Liability

Site provided "as is", no warranties, not liable for any losses arising from use.

Changes to Terms

Terms may be updated at any time, continued use constitutes acceptance.

Governing Law

These terms are governed by the laws of the Netherlands. Any disputes arising from use of this site shall be subject to the exclusive jurisdiction of the Dutch courts. If you access this site from another country, you do so at your own initiative and are responsible for compliance with local laws.

This site provides information primarily for users in the United States. While the operator is based in the Netherlands and governed by Dutch law, users are responsible for understanding and complying with applicable laws in their own jurisdiction. Nothing in these terms limits any non-waivable consumer rights you may have under the laws of your country of residence.