Terms of Service

The Service

AmortiWise provides free, client-side calculators for loan amortization, mortgages, and auto loans, along with related educational content. The site requires no registration and collects no financial data — all calculations run locally in your browser.

Educational Use Only

AmortiWise is provided for educational and informational purposes only. The results shown are estimates and do not constitute financial, tax, legal, or investment advice, nor an offer, quote, or commitment from any lender. Actual loan terms, fees, escrow requirements, taxes, insurance, and interest accrual methods vary by lender and loan product. Consult a qualified professional before making financial decisions.

Acceptable Use

• Use the site for lawful purposes only.
• Do not attempt to disrupt, overload, or interfere with the operation of the site or its hosting infrastructure.
• Do not scrape, resell, or misrepresent the site as your own service, or use it to build a competing product without permission.
• You may download and print schedules for personal, non-commercial use.

Intellectual Property

The AmortiWise name, design, text content, and code are owned by their creators and protected by applicable intellectual property laws. The underlying mathematical formulas (standard amortization equations) are public domain and free for anyone to use.

Limitation of Liability

The site is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including accuracy, availability, merchantability, or fitness for a particular purpose. We do not warrant that the site will be uninterrupted, error-free, or that results will match any specific lender's figures.

To the maximum extent permitted by applicable law, AmortiWise and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including lost profits, financial losses, or data loss — arising from or related to your use of, or inability to use, the site, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction with the site is to stop using it.

Third-Party Content and Ads

Advertising space on the site may display content served by third-party networks. We do not control and are not responsible for third-party content, products, or services, and their display does not imply endorsement.

Changes to the Service and These Terms

We may modify, add, or remove features of the site, and update these Terms, at any time. The "Last updated" date at the top reflects the current version. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the site shall be resolved in the courts of the United States.

Contact

Questions about these Terms? Reach us through the contact page. See also our Privacy Policy.