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Terms of Service

Service and User Agreement for MortgageCalculator AI platform

Important Notice

Last Updated: June 2025
By using MortgageCalculator AI, you agree to these Terms of Service. Please read them carefully. All calculations provided are estimates only and should not be considered as financial advice.

1. Acceptance of Terms

By accessing and using MortgageCalculator AI ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service apply to all users of the website, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

2. Use License & Restrictions

Permitted Uses:

  • Personal mortgage calculations and estimates
  • Educational purposes regarding mortgage mathematics
  • Preliminary financial planning and budgeting
  • Comparing different mortgage scenarios

Prohibited Uses:

  • Commercial use without explicit written permission
  • Reverse engineering or copying our algorithms
  • Using results for professional financial advice without proper licensing
  • Distributing or republishing our content without permission
  • Attempting to interfere with or disrupt the service

3. Financial Calculations Disclaimer

IMPORTANT: All mortgage calculations, estimates, and results provided by MortgageCalculator AI are for informational purposes only and should not be considered as professional financial advice, mortgage quotes, or binding offers.

  • Actual mortgage terms may vary significantly from our estimates
  • Interest rates, fees, and conditions change frequently
  • Our calculations do not include all possible fees and costs
  • Results depend on the accuracy of information you provide
  • Always consult with qualified mortgage professionals before making decisions

4. User Responsibilities

You are responsible for:

Data Accuracy

  • Providing accurate input data
  • Verifying all calculations independently
  • Understanding calculation limitations

Compliance

  • Following all applicable laws
  • Respecting intellectual property
  • Maintaining account security

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Synaptic Fusion LLC and MortgageCalculator AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

  • Financial losses resulting from calculation inaccuracies
  • Damages arising from reliance on our estimates
  • Lost profits or business opportunities
  • Data loss or system downtime
  • Third-party actions or decisions based on our calculations

Our total liability shall not exceed the amount paid by you, if any, for accessing this service.

6. Privacy & Data Protection

Your privacy is important to us. Our data practices are governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key Points:

  • We do not store your mortgage calculation inputs
  • Anonymous usage analytics help improve our service
  • Cookies are used for functionality and analytics
  • We comply with GDPR and applicable privacy laws

7. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of Synaptic Fusion LLC and its licensors. The service is protected by copyright, trademark, and other laws.

Our Rights

  • Calculation algorithms and methods
  • Website design and user interface
  • Brand names and trademarks
  • All content and documentation

Your Rights

  • Use results for personal purposes
  • Share calculation screenshots
  • Reference our service appropriately
  • Provide feedback and suggestions

8. Service Availability

We strive to maintain high service availability, but we do not guarantee uninterrupted access. We reserve the right to:

  • Modify or discontinue the service with or without notice
  • Perform maintenance that may temporarily limit functionality
  • Update calculation methods and algorithms
  • Change features and user interface elements

9. Governing Law

These Terms shall be interpreted and governed by the laws of the United States and the state jurisdiction where Synaptic Fusion LLC is incorporated, without regard to conflict of law provisions.

Dispute Resolution

Any disputes arising from these Terms or use of our service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

10. Changes to Terms

We reserve the right to update these Terms of Service at any time. We will notify users of any material changes by posting the new Terms on this page with an updated "Last Updated" date.

Your continued use of the service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically for any updates.

11. Contact Information

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

Contact Information

Synaptic Fusion LLC
2525 Arapahoe Ave, Ste E4
Boulder, CO 80302
United States

Email: [email protected]

Effective Date: June 2025
These Terms of Service constitute the entire agreement between you and Synaptic Fusion LLC regarding the use of MortgageCalculator AI.

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