Terms of Use

Last updated: 2026-10-08

Acceptance

By using AmortWise, you agree to these terms. If you do not agree, please do not use the site.

The Service Is Provided "As Is"

AmortWise and its calculators — the biweekly mortgage calculator and the extra payment calculator — are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and accuracy. We do not warrant that the site will be uninterrupted, error-free, or available at all times.

Not Financial Advice; Not a Loan Offer

AmortWise is an educational tool. Nothing on this site is financial, tax, legal, or investment advice, and no content on this site constitutes an offer to lend, a pre-approval, a quote, or any other extension of credit. AmortWise is not a lender, broker, or servicer, and does not arrange, originate, or service mortgage loans. Decisions about your mortgage — whether to prepay, refinance, or choose a payment plan — should be made with a qualified professional who knows your full situation.

Calculator Results Are Estimates

Results produced by the calculators are mathematical estimates based on the inputs you supply and a standard fixed-rate amortization model. They do not account for property taxes, insurance, escrow requirements, private mortgage insurance, lender fees, floating-rate terms, date-of-payment effects on daily interest accrual, prepayment penalties, or your lender's specific payment-application practices. Your actual loan statement is the authoritative record; figures shown here are for comparison and education, not for accounting or legal reliance.

Limitation of Liability

To the fullest extent permitted by law, AmortWise and its maintainer shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of, or inability to use, the site or its calculators — including decisions made or not made in reliance on calculator output. Use of the site is at your own risk.

Acceptable Use

You may use the calculators for personal, non-commercial purposes. You may not attempt to disrupt the site, scrape it in ways that impair its availability, or misrepresent the calculator output as an official loan disclosure.

Third-Party Content and Advertising

Advertising on this site is served by third parties such as Google AdSense. We do not endorse and are not responsible for advertised products. No advertisement on this site is a recommendation or a loan offer from AmortWise.

Changes to These Terms

These terms may be updated; the current version is always on this page with its "last updated" date. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

Contact

Questions about these terms can be sent via the contact page. See also the privacy policy for how data is handled.