Terms of Use

Last updated: April 25, 2025

Please read these Terms of Use ("Terms") carefully before using the calcnow.mortgage website operated by CalcNow Mortgage ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the website.

1. Acceptance of Terms

By using this website, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them. We reserve the right to modify these Terms at any time. Continued use of the site after changes constitutes your acceptance of the updated Terms.

2. Description of Service

CalcNow Mortgage provides a free online mortgage calculator tool that allows users to estimate monthly mortgage payments, total interest paid, and view amortization schedules based on user-provided inputs. The service is provided for informational and educational purposes only.

3. Not Financial Advice

The results produced by this calculator are estimates only and do not constitute financial, legal, or mortgage advice. The calculations are based solely on the inputs you provide and do not account for all factors that may affect your actual mortgage payment, including but not limited to:

• Property taxes
• Homeowner's insurance
• Private mortgage insurance (PMI)
• HOA fees
• Closing costs
• Changes in interest rates
• Your creditworthiness or lender-specific terms

Always consult with a licensed mortgage professional, financial advisor, or lender before making any financial decisions related to a home purchase or refinance.

4. Accuracy of Information

While we strive to provide accurate calculations, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the calculator results for any purpose. Any reliance you place on such information is strictly at your own risk.

5. Intellectual Property

The website and its original content, features, and functionality are owned by CalcNow Mortgage and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from this website without our prior written consent.

6. Permitted Use

You may use this website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the site in any way that violates applicable local, national, or international laws or regulations
• Attempt to gain unauthorized access to any part of the site or its related systems
• Use automated tools (bots, scrapers, crawlers) to access or collect data from the site in a manner that disrupts service
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to interfere with the proper functioning of the website

7. Third-Party Advertising

This website displays advertisements served by Google AdSense and potentially other third-party ad networks. These advertisements are provided by third parties and we are not responsible for their content. The display of advertisements does not constitute our endorsement of any advertised product or service.

8. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, CalcNow Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of (or inability to use) this website or its calculator results, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to defend, indemnify, and hold harmless CalcNow Mortgage and its affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the website.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Alberta, Canada, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Alberta, Canada.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

14. Contact Us

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

Email: legal@calcnow.mortgage
Website: calcnow.mortgage