Disclaimer

General Disclaimer

The information provided by Amortio ("we," "us," or "our") on amortio.com (the "Site") is for general informational and educational purposes only. All information on the Site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site. Your use of the Site and your reliance on any information on the Site is solely at your own risk.

Financial Disclaimer

The Site and its loan calculator are NOT financial advice tools. The calculations and information provided are for educational and illustrative purposes only and should not be considered financial, legal, tax, or investment advice.

Important Points:

• Not Financial Advice: We are not financial advisors, and nothing on this Site should be construed as financial advice or recommendations.
• Consult Professionals: Before making any financial decisions, you should consult with qualified financial advisors, accountants, attorneys, or other professionals appropriate to your specific situation.
• Individual Circumstances: Financial decisions should be based on your individual circumstances, goals, risk tolerance, and complete financial picture.
• Verify Information: Always verify any calculations or information with your lender, financial institution, or professional advisor before making decisions.
• No Guarantees: We do not guarantee any specific financial outcomes or results from using our calculator or information.

Calculator Accuracy Disclaimer

While we strive to provide accurate calculations using industry-standard formulas, we make no warranties or guarantees regarding the accuracy of the loan calculator or the results it produces.

Limitations:

• Different lenders may use slightly different calculation methods, rounding practices, or fee structures
• The calculator provides estimates and may not account for all fees, charges, or specific loan terms
• Results may vary from actual loan offers due to factors not included in basic calculations
• The calculator assumes consistent monthly payments and fixed interest rates unless otherwise specified
• Tax implications, insurance, fees, and other costs may not be reflected in calculations

Always verify calculations and terms directly with your lender or financial institution before committing to any loan.

No Professional Relationship

Use of the Site does not create a professional relationship between you and Amortio. No attorney-client, accountant-client, or financial advisor-client relationship is formed by using this Site or communicating with us.

We are a technology company providing educational tools and information. We do not provide:

• Legal advice or services
• Financial planning or investment advice
• Tax preparation or advice
• Accounting services
• Loan origination or lending services
• Credit counseling or repair services

Third-Party Websites and Content

The Site may contain links to third-party websites or services that are not owned or controlled by Amortio. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

No Endorsement

Reference to any products, services, processes, links, or other information by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by us. We are not responsible for the content of any linked site or any link contained in a linked site.

Educational Purpose Only

All content on this Site, including blog articles, guides, tutorials, and FAQs, is provided for educational and informational purposes only. This content is designed to help you understand loan concepts, amortization, and financial calculations, but should not be relied upon as the sole source of information for financial decisions.

Financial laws, regulations, and best practices may vary by jurisdiction and change over time. Information that is accurate today may be outdated tomorrow. Always verify current information with appropriate authorities and professionals.

Errors and Omissions

While we make reasonable efforts to include accurate and up-to-date information on the Site, we make no warranties or representations as to its accuracy, timeliness, or completeness. We may make changes to the content on the Site at any time without notice.

Errors, inaccuracies, or omissions may occur. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

No Guarantees or Warranties

The Site and all information, content, materials, and services included on or otherwise made available to you through the Site are provided on an "AS IS" and "AS AVAILABLE" basis, unless otherwise specified in writing.

We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, materials, or services included on or otherwise made available to you through the Site.

To the full extent permissible by applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Limitation of Liability

In no event shall Amortio, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content
• Errors or inaccuracies in our calculator or information
• Financial decisions made based on information from the Site

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

Indemnification

You agree to defend, indemnify, and hold harmless Amortio and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of:

• Your use and access of the Site
• Your violation of any term of these disclaimers
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Financial decisions or actions taken based on information from the Site

Changes to This Disclaimer

We reserve the right to modify or replace this Disclaimer at any time. If a revision is material, we will update the "Last updated" date at the top of this page. What constitutes a material change will be determined at our sole discretion.

Your continued use of the Site following the posting of any changes to this Disclaimer constitutes acceptance of those changes.

Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of the jurisdiction in which Amortio operates, without regard to its conflict of law provisions.