Terms of Service
Last updated: July 2026
1. Acceptance of Terms
By accessing or using the website prepayloancalculator.com (the "Service"), you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
2. Use of Calculator Tools
Our calculators are designed to run mathematical simulations locally within your web browser. You are permitted to use these tools for personal, non-commercial financial planning. You may not scrape, frame, or republish the calculator logic or widgets without our explicit written permission.
3. Disclaimer of Financial Advice
The calculations and simulations provided by the Service are for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice. The mathematical models are based on standard amortization formulas, but actual loan terms, bank fees, interest compounding policies, and escrow modifications vary. Always consult with a certified financial planner, licensed mortgage broker, or your loan servicer before making any prepayment or refinancing decisions.
4. Limitation of Liability
The Service is provided on an "as is" and "as available" basis without warranties of any kind. We do not guarantee the accuracy, completeness, or suitability of any calculation. In no event shall Prepay Loan Calculator be held liable for any direct, indirect, incidental, or consequential damages resulting from your use or reliance on the Service's calculations.
5. Third-Party Integrations
Our site includes analytics (Google Analytics, Vercel Analytics) and advertising systems (Google AdSense) operated by third parties. These services are subject to their own respective privacy policies and terms of service.
6. Governing Law
These terms shall be governed and construed in accordance with the laws applicable to online web services, without regard to conflict of law provisions.
7. Contact Us
For inquiries regarding these terms, you can contact us through the options listed on our website.