Last Updated: February 7, 2025
Welcome to House Calculator ("we," "our," "us," or the "Website"). By accessing or using housecalculator.net, you agree to be bound by these Terms of Service. Please read them carefully.
1. Acceptance of Terms
By accessing, browsing, or using House Calculator, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, please do not use our Website.
2. Description of Service
House Calculator is a free online platform that provides:
- Financial Calculators: Mortgage calculators, HELOC calculators, home affordability calculators, and other home finance tools
- Educational Content: Articles, guides, and information about home financing, mortgages, and real estate
- Calculation Tools: Free tools to help users understand their home financing options
Important Disclaimer: Our calculators provide estimates only and are not financial advice. Results are based on the information you provide and standard formulas. Always consult with qualified financial professionals before making financial decisions.
3. No User Accounts Required
Our Website does not require user registration or accounts. All calculator tools and content are freely accessible without creating an account or providing personal information.
4. Acceptable Use
4.1 Permitted Uses
You may use our Website for lawful, personal, non-commercial purposes, including:
- Using our calculators for personal financial planning
- Reading our educational content and guides
- Sharing links to our Website with others
- Printing or saving results from our calculators for personal use
4.2 Prohibited Uses
You agree NOT to:
- Use automated bots, scrapers, or data mining tools to access or collect data from our Website
- Attempt to gain unauthorized access to our systems or servers
- Interfere with or disrupt the Website's functionality
- Copy, reproduce, or redistribute our content for commercial purposes without permission
- Remove copyright notices or proprietary markings from our Website
- Use our calculators or content in a way that violates any applicable laws or regulations
- Reverse engineer, decompile, or attempt to extract source code from our Website
5. Calculator Accuracy and Limitations
5.1 Estimates Only
Our calculators provide estimates based on the information you input. These estimates:
- Are for informational and educational purposes only
- Should not be considered financial advice or recommendations
- May not reflect your actual financial situation or loan terms
- Are based on standard financial formulas and assumptions
5.2 No Guarantees
We strive for accuracy but do not guarantee that:
- Calculator results are error-free or completely accurate
- Results match what lenders will actually offer you
- The Website will always be available or uninterrupted
- All content is current, complete, or up-to-date
5.3 User Responsibility
You are responsible for:
- Verifying all calculations with qualified financial professionals
- Ensuring the accuracy of information you input into our calculators
- Making your own independent financial decisions
- Consulting with mortgage lenders, financial advisors, or real estate professionals
6. Intellectual Property Rights
6.1 Our Content
All content on House Calculator, including but not limited to:
- Calculator tools and functionality
- Articles, guides, and educational content
- Website design, layout, and graphics
- Logos, trademarks, and branding
is owned by House Calculator or our licensors and is protected by copyright, trademark, and other intellectual property laws.
6.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our Website for personal, non-commercial purposes. This license does not include:
- Resale or commercial use of our Website or content
- Collection or use of product listings or descriptions
- Derivative use of our Website or content
- Downloading or copying account information for the benefit of third parties
7. Third-Party Links and Content
Our Website may contain links to third-party websites or display third-party advertisements. We are not responsible for:
- The content, accuracy, or practices of third-party websites
- Products or services offered by third parties
- Your interactions with third-party websites or advertisers
Your use of third-party websites is at your own risk and subject to their terms and policies.
8. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
We disclaim all warranties, including but not limited to:
- Warranties of merchantability
- Fitness for a particular purpose
- Non-infringement
- Accuracy, reliability, or completeness of content
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOUSE CALCULATOR SHALL NOT BE LIABLE FOR:
- Any indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, or use
- Financial losses resulting from reliance on our calculators or content
- Any damages arising from your use of or inability to use our Website
This limitation applies even if we have been advised of the possibility of such damages.
10. Indemnification
You agree to indemnify, defend, and hold harmless House Calculator and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:
- Your use of our Website
- Your violation of these Terms
- Your violation of any rights of another party
- Financial decisions you make based on our calculator results
11. Changes to Service and Terms
11.1 Modifications to Website
We reserve the right to modify, suspend, or discontinue any part of our Website at any time without notice.
11.2 Changes to Terms
We may update these Terms from time to time. When we do:
- We will update the "Last Updated" date at the top of this page
- Your continued use of the Website after changes constitutes acceptance
- Material changes will be highlighted on our homepage
12. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
Any disputes arising from these Terms or your use of our Website shall be resolved through binding arbitration, except that either party may seek injunctive relief in court for intellectual property infringement or violations of these Terms.
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, and the remaining provisions will remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and House Calculator regarding your use of our Website.
Summary in Plain English
- Free Service: Our calculators are completely free to use
- Estimates Only: Results are estimates, not financial advice
- No Guarantees: We can't guarantee accuracy - verify with professionals
- No Liability: Use at your own risk - we're not responsible for financial decisions you make
- Be Respectful: Don't abuse our Website or use bots
- Our Content: Don't copy our calculators or content for commercial use
- Consult Professionals: Always talk to financial advisors before making major financial decisions