Terms of Service

Last updated: April 2026

Welcome to Member Mortgages. By accessing this website we assume you accept these terms and conditions. Do not continue to use Member Mortgages if you do not agree to take all of the terms and conditions stated on this page.

1. Informational Purposes Only

The content on Member Mortgages, including all financial calculators, rates, estimators, and blog posts, is provided for educational and informational purposes only. We are not a lender, mortgage broker, financial advisor, or legal professional.

The calculations produced by our tools are estimates based on standard amortization formulas and the data provided by the user or third-party APIs (such as the U.S. Census Bureau). They do not constitute an offer of credit, nor do they guarantee that you will qualify for the specific rates or terms displayed. Always consult a licensed financial professional before making major financial decisions.

2. License and Use of Site

Unless otherwise stated, Member Mortgages and/or its licensors own the intellectual property rights for all material on the website. All intellectual property rights are reserved. You may access this from Member Mortgages for your own personal, non-commercial use subject to restrictions set in these terms and conditions.

You must not:

• Republish material from Member Mortgages without attribution
• Sell, rent, or sub-license material from Member Mortgages
• Reproduce, duplicate or copy reverse-engineering code, calculators, or data structures
• Redistribute content from Member Mortgages (unless content is specifically made for redistribution)

3. Accuracy of Information

While we strive to ensure the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept entirely up to date. Many macroeconomic factors and lending rates change daily.

4. User Accounts

If you create an account on the website, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security.

5. Disclaimer of Warranties and Liability

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature resulting from reliance on the tools provided.

6. Third-Party Links

Our Service may contain links to third-party web sites or services that are not owned or controlled by Member Mortgages. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party web sites or services.

7. Governing Law

These Terms shall be governed and construed in accordance with standard international web laws, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

8. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.