Terms of Service

Welcome to PayoffMortgage.org. By accessing or using our website at https://payoffmortgage.org (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

1. Informational Purposes Only

The mortgage payoff calculator, blog articles, and all other content provided on this Site are for informational and educational purposes only. Nothing on this Site constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

The calculator provides estimates based on the inputs you provide and standard amortization formulas. Actual results may vary based on your lender's specific terms, rounding methods, payment processing timing, fees, and other factors not accounted for by our calculator.

2. Not Financial Advice

PayoffMortgage.org is not a financial advisor, mortgage broker, lender, or financial institution. We do not recommend, endorse, or advise on any specific mortgage products, lenders, or financial strategies.

Before making any financial decisions, including but not limited to making extra mortgage payments, refinancing, or changing your payment schedule, you should consult with a qualified financial advisor, mortgage professional, or other appropriate expert who can evaluate your specific financial situation.

3. No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, calculations, or related graphics contained on the Site.

Interest rates, tax laws, lending regulations, and other financial factors change frequently. Information on this Site may become outdated. We are under no obligation to update any information on the Site.

4. Limitation of Liability

To the fullest extent permitted by applicable law, PayoffMortgage.org and its owners, operators, affiliates, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of or inability to use the Site.
• Any errors, inaccuracies, or omissions in the calculator results or content.
• Any financial decisions you make based on information obtained from the Site.
• Any loss of data, profits, or goodwill.
• Any unauthorized access to or use of our servers or any personal information stored therein.

This limitation of liability applies regardless of the legal theory on which the claim is based, including negligence, breach of contract, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

5. Disclaimer of Warranties

The Site and all content, tools, and services provided on it are offered on an "as is" and "as available" basis, without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be available at all times, that it will be free from errors or viruses, or that any defects will be corrected.

6. User Conduct

When using the Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to interfere with, disrupt, or gain unauthorized access to the Site, its servers, or any connected networks.
• Use automated systems (bots, scrapers, crawlers) to access the Site in a manner that sends more requests than a human can reasonably produce in the same period.
• Reproduce, distribute, modify, or create derivative works of the Site's content without our prior written consent.

7. Intellectual Property

All content on this Site, including text, graphics, logos, icons, and software, is the property of PayoffMortgage.org or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view and print content from the Site for your personal, non-commercial use only. Any other use, including reproduction, modification, distribution, or republication, requires our prior written permission.

8. Third-Party Links and Advertising

The Site may contain links to third-party websites and display advertisements served by third parties, including Google AdSense. We do not control, endorse, or assume responsibility for any third-party websites, their content, or their privacy practices. Your interactions with third-party websites and advertisers are solely between you and those third parties.

9. Indemnification

You agree to indemnify, defend, and hold harmless PayoffMortgage.org and its owners, operators, affiliates, and contributors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site or your violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

11. Modifications to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the revised Terms on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms.

12. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect.

13. Contact Us

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

Email: [email protected]

Website: https://payoffmortgage.org