Terms of Use
The rules that govern your use of mortgageratecalculator.org and our calculators and guides.
These Terms of Use (“Terms”) govern your access to and use of mortgageratecalculator.org (the “Site”) operated by Family Brands LLC (“we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms and to our Privacy Policy.
Last updated: January 2026
1) About the Site; no financial advice
The Site provides calculators, tools, and educational content related to mortgages and personal finance. We are not a lender, mortgage broker, real estate agent, or financial, legal, tax, or accounting advisor.
- Estimates only: Calculator outputs are estimates and may differ from lender disclosures due to rounding, inputs, assumptions, changing market rates, taxes/insurance variations, and program rules (including mortgage insurance rules).
- No offers: Nothing on the Site is an offer, solicitation, or commitment to lend, extend credit, or provide financial products.
- Your responsibility: You are responsible for verifying results and decisions with qualified professionals and official lender disclosures.
2) Eligibility and acceptable use
You must be at least 13 years old (or the age of digital consent in your jurisdiction) to use the Site. You agree to use the Site only for lawful purposes and in accordance with these Terms.
You agree not to:
- Violate any applicable law, regulation, or third-party rights.
- Submit sensitive personal data (for example, Social Security numbers, full payment card numbers, bank account credentials, or health information) through forms not specifically designed for that purpose.
- Scrape, crawl, spider, or bulk-download the Site or content except as part of normal browser use and standard search engine indexing.
- Interfere with the Site’s operation (including attempting to introduce malware, bypass rate limits, or run unauthorized load testing).
- Reverse engineer the Site or attempt to extract source code except to the extent permitted by applicable law.
- Use the Site or content to train or fine-tune AI models without our prior written permission.
- Misrepresent your identity or affiliation with any person or entity.
3) User submissions and feedback
If you send us feedback, suggestions, questions, or other communications (“Submissions”), you agree that we may use them to operate, improve, and promote the Site without restriction or compensation to you.
Please do not submit confidential or proprietary information through the Site unless we have agreed to do so in writing.
4) Intellectual property
The Site and its content (including text, graphics, design, user interface, and underlying code and logic) are owned by Family Brands LLC or its licensors and are protected by intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use.
Any commercial use, reproduction, redistribution, or creation of derivative works requires our prior written permission.
If you believe content on the Site infringes your rights, contact us via /contact with sufficient detail to locate the content and explain your claim.
5) Third-party services, links, analytics, and advertising
The Site may use third-party services to support operations and display advertising, and may link to third parties. We do not control third-party websites, products, or services.
- Analytics: We may use analytics providers (including Google Analytics) to understand how visitors use the Site and to improve content and performance.
- Advertising: We may display ads (including via Google AdSense). Advertising partners may use cookies or similar technologies to deliver, measure, and limit ads, and help detect invalid traffic.
- Third-party links: Links are provided for convenience. Your use of third-party websites is governed by their terms and policies.
6) Availability and changes
We may modify, suspend, or discontinue any part of the Site at any time. We do not guarantee that the Site will be available at all times or that all features will be available in all regions.
From time to time, we may test new or beta features. Beta features may be incomplete, may change without notice, and may contain errors.
7) Disclaimers; limitation of liability
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
To the maximum extent permitted by law, Family Brands LLC does not warrant that the Site will be uninterrupted, error-free, or free of harmful components.
To the maximum extent permitted by law, in no event shall Family Brands LLC or its owners, directors, officers, employees, contractors, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Site.
Our aggregate liability for any claim relating to the Site shall not exceed the greater of (a) USD $50 or (b) the amount you paid us (if any) in the twelve (12) months preceding the event giving rise to the claim.
Some jurisdictions do not allow certain limitations. These Terms apply only to the extent permitted by applicable law.
8) Indemnification
You agree to defend, indemnify, and hold harmless Family Brands LLC from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Site or your violation of these Terms or applicable law.
9) Governing law; venue
These Terms are governed by the laws of the State of Texas and the United States, without regard to conflict of laws principles. To the extent a dispute is permitted to be filed in court, you agree to personal jurisdiction and venue in state or federal courts located in Montgomery County, Texas.
Nothing in these Terms prevents you from using mandatory consumer protections available in your jurisdiction, where those rights cannot be waived.
10) International use; sanctions and export
The Site is controlled and operated from the United States. We do not represent that the Site is appropriate or available in all locations. You are responsible for compliance with local laws and with U.S. export and sanctions laws. You may not use the Site if you are located in an embargoed jurisdiction or are a restricted party under applicable laws.
11) Termination
We may suspend or terminate access to the Site at any time if we reasonably believe your use violates these Terms or is harmful to the Site or others.
12) Privacy
Our collection and use of personal information is described in our Privacy Policy.
13) Changes to these Terms
We may update these Terms from time to time. We will post the updated version on this page and revise the “Last updated” date above. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.
14) Miscellaneous
- Severability: If any provision is found unenforceable, the remaining provisions will remain in effect.
- No waiver: Failure to enforce a provision is not a waiver.
- Assignment: You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.
- Entire agreement: These Terms and policies referenced here are the entire agreement between you and us regarding the Site.
- Headings: Headings are for convenience only.
Family Brands LLC — 14090 FM 2920 Rd. Ste G174, Tomball, TX 77377. For questions, use /contact.
These Terms are provided for general informational purposes and do not constitute legal advice. For advice about your specific situation, consult a qualified attorney.