Terms of Use

1. Use of the Website

SmartFinanceNerd.com provides free online mortgage and personal finance calculators for informational and educational purposes only. You agree to use this website only for lawful purposes and in a way that does not harm, disrupt, or interfere with its functionality or security.

2. No Financial Advice

All tools and content provided on SmartFinanceNerd.com are for informational purposes only. We are not financial advisors, lenders, or credit providers. Nothing on this website should be considered financial, legal, or investment advice. You should consult a qualified professional before making financial decisions.

3. Accuracy of Information

The calculators on this website provide estimates based on user inputs and general financial formulas. While we aim for accuracy, we do not guarantee that results are complete, accurate, or applicable to your specific situation. Users are responsible for how they interpret and use the results.

4. User Responsibility

You are responsible for ensuring that any information you enter into the calculators is accurate and appropriate. We are not responsible for any decisions, losses, or actions taken based on the use of this website.

5. Intellectual Property

All content on SmartFinanceNerd.com, including text, design, logos, and calculators, is owned by or licensed to us unless otherwise stated. You may not copy, reproduce, distribute, or exploit any content without prior written permission.

6. Prohibited Activities

You agree not to:

• Attempt to hack, disrupt, or damage the website
• Use automated systems (bots, scrapers) without permission
• Copy or reproduce website content without authorization
• Use the website for illegal or abusive purposes

7. Third-Party Links and Services

This website may include links to third-party websites or services. We are not responsible for the content, policies, or practices of any third-party sites.

8. Advertising

We may display advertisements through third-party networks such as Google AdSense. These third parties may use cookies or similar technologies to show relevant ads. We do not control third-party advertising content or practices.

9. Disclaimer of Warranties

This website is provided "as is" and "as available." We make no warranties or guarantees of any kind regarding availability, accuracy, reliability, or suitability of the website or its tools.

10. Limitation of Liability

To the maximum extent permitted by law, SmartFinanceNerd.com shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the website or reliance on its content or calculators.

11. Changes to Terms

We may update or modify these Terms of Use at any time without prior notice. Continued use of the website after changes means you accept the updated terms.