Terms of Service

1. Acceptance of Terms

By accessing and using the Amortio website ("Amortio", "we", "our", "us", or "the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to abide by the terms set forth below, please do not use the Site.

These Terms form a binding agreement between you and Amortio. We may update them from time to time. Updates will be posted on this page with a revised "Last updated" date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. If the changes are material, we will highlight them on this page for at least 30 days.

1.1 Description of Service and Not Financial Advice

Amortio provides free, web-based mortgage and loan amortization calculators, refinance comparisons, and related educational resources. Tools draw on standard financial formulas and publicly available interest rate data. Amortio is not a lender, mortgage broker, licensed financial advisor, or loan servicer. Nothing on the Site constitutes financial, tax, legal, or real-estate advice.

All content — including calculator results, articles, and guides — is provided for general informational and educational purposes only. Mortgage and loan decisions are highly dependent on your specific credit profile, lender underwriting criteria, regional market conditions, and terms that change over time. Before signing any loan document, consult a licensed mortgage professional or financial adviser.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Amortio for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software contained on Amortio
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

3. Disclaimer

The materials on Amortio are provided on an 'as is' basis. Amortio makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

4. Limitations

In no event shall Amortio or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Amortio, even if Amortio or an authorized representative has been notified orally or in writing of the possibility of such damage.

5. Accuracy of Materials

The materials appearing on Amortio could include technical, typographical, or photographic errors. Amortio does not warrant that any of the materials on its website are accurate, complete, or current. Amortio may make changes to the materials contained on its website at any time without notice.

While we strive to provide accurate loan calculations, we do not guarantee that all results are 100% accurate. Different lenders may use slightly different calculation methods. Always verify results with your lender.

6. Materials and Links

Amortio has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Amortio of the site. Use of any such linked website is at the user's own risk.

7. Modifications

Amortio may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

8. Governing Law

The materials on Amortio's website are governed by and construed in accordance with the laws of the jurisdiction in which Amortio operates, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

9. User Conduct

You agree that you will not:

• Violate any applicable laws or regulations
• Infringe upon any intellectual property rights
• Harass, threaten, or defame any person
• Submit false or misleading information
• Attempt to gain unauthorized access to our systems
• Use our service for any illegal purposes

10. Third-Party Advertising and AdSense

The Site contains advertising served by third parties (including Google AdSense and other ad networks), as well as references and links to third-party websites such as the Consumer Financial Protection Bureau, Freddie Mac, and related publications. Amortio does not control and is not responsible for the content, accuracy, or practices of third-party sites or advertisers. Inclusion of an advertisement or link is not an endorsement. Advertising cookies and related disclosures are described in our Privacy Policy.

11. Indemnification

You agree to defend, indemnify, and hold harmless Amortio, its operators, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any right of another party.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AMORTIO AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR RELIANCE ON ITS CONTENT, INCLUDING BUT NOT LIMITED TO LOST MORTGAGE OPPORTUNITIES, RATE CHANGES, OR OVERPAID INTEREST. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

13. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. See the Privacy Policy for disclosures about cookies, analytics, and advertising.

14. Termination

We may restrict, suspend, or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms. Provisions that by their nature should survive termination — including disclaimers, indemnities, and limitations of liability — will survive.

15. Severability and Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force. These Terms, together with our Privacy Policy and any other policies posted on the Site, constitute the entire agreement between you and Amortio regarding the Site and supersede all prior agreements.