Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of BuydownCalculator.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

2. Description of Service

BuydownCalculator.com provides free online mortgage calculators, including a buydown calculator, mortgage payment calculator, discount points calculator, refinance calculator, seller concessions calculator, and APR calculator. The Site and all calculators are provided free of charge.

3. Educational Use Only

All calculators, content, and results provided on the Site are for informational and educational purposes only. They are not financial, legal, or tax advice. The results produced by our calculators are estimates based on the inputs you provide and standard mortgage formulas. Actual loan terms, payments, and costs may vary.

The Site is not a lender, mortgage broker, or financial advisor. We do not make credit decisions or offer loans. For advice specific to your situation, consult a licensed loan officer, financial advisor, or other qualified professional.

4. No Warranty

The Site and all calculators are provided "as is" and "as available" without 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 calculators will be accurate, error-free, or uninterrupted.

5. Limitation of Liability

To the fullest extent permitted by applicable law, BuydownCalculator.com and its operators 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 or any calculator, including but not limited to financial decisions made in reliance on calculator results.

6. Intellectual Property

The Site's design, text, graphics, code, and other content are the property of BuydownCalculator.com and are protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from the Site without our prior written permission.

7. Third-Party Links and Ads

The Site may display advertisements served by Google AdSense and other third-party ad networks, and may contain links to third-party websites. We do not control and are not responsible for the content, policies, or practices of third parties. Your interactions with third-party ads and websites are solely between you and the third party.

8. User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to the Site's systems or data
• Use automated tools (bots, scrapers) to access the Site in a way that sends more requests than a human reasonably could
• Interfere with the proper functioning of the Site

9. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect information.

10. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which the Site operator resides, without regard to conflict of law principles.

12. Contact

If you have questions about these Terms, please review our Privacy Policy for information about the data we collect. By using the Site, you acknowledge that you have read and understood these Terms and agree to be bound by them.