Disclaimer

AmortizationChecker.com (operated by Zyra Velline, CFA, CFP®) provides educational tools and information to help you understand loan amortization. Transparency is our foundation, please read this disclaimer carefully.

1. No Financial Advice

The content on AmortizationChecker.com including articles, calculators, tables, and examples is for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice. You should consult a qualified professional (such as a certified financial planner, attorney, or accountant) before making any financial decisions.

📌 Zyra Velline and the team are not acting as your financial advisor, and no client relationship is formed by using this site.

2. Accuracy & Completeness

We strive to ensure all amortization formulas, rates, and examples are correct and up‑to‑date. However, financial regulations, interest rates, and loan terms change. We make no warranties or representations about the accuracy, reliability, or completeness of any information on this site. Calculations are illustrative only; actual loan figures may vary based on lender policies, rounding, and specific loan terms.

  • We review core content quarterly and after major regulatory updates (e.g., TILA, RESPA changes).
  • If you spot an error, please contact us immediately, we will correct it promptly.

3. No Lender Relationship

AmortizationChecker.com is not a lender, bank, or credit union. We do not originate loans, approve credit, or offer mortgages. We do not receive commissions or kickbacks from any financial institution. Our tools help you estimate payments, but they do not guarantee loan approval, terms, or rates from any lender.

4. External Links & Third Parties

Our website may contain links to third‑party sites (e.g., Google AdSense, educational resources). These links are provided for convenience. We have no control over their content, privacy practices, or accuracy. We encourage you to review their policies before interacting. We do not endorse or assume responsibility for any third‑party material.

5. Advertising & Affiliate Disclosure

We display advertisements via Google AdSense to keep our calculators free. Some links may be affiliate links (e.g., recommended books or software). If you click an affiliate link and make a purchase, we may earn a small commission at no extra cost to you. We only recommend products we believe are useful. Advertisers do not influence our editorial content.

6. Testimonials & Examples

Any testimonials, case studies, or examples shown on this site are for illustration only. Individual financial situations vary, and past performance does not guarantee future results. You should not assume that your experience will match those examples.

7. Limitation of Liability

To the fullest extent permitted by law, AmortizationChecker.com, its operators (Zyra Velline), and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site or any information provided. This includes any errors in calculators, lost data, or financial decisions made based on our content.

8. Professional Qualifications

Zyra Velline holds the Chartered Financial Analyst (CFA) designation, CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, and the Certified Amortization Specialist (CAS™) credential. She earned an MBA in Finance from NYU Stern and completed Wharton’s FPWM program. While these credentials reflect expertise, they do not replace personalized advice from a professional familiar with your specific circumstances.

⚠️ Important reminder

Always verify critical financial information with your lender or a qualified advisor. Loan terms, interest rates, and fees vary. Use our calculators as a starting point — not as a final determination of affordability.

9. Updates & Changes

We may revise this disclaimer periodically. The “last updated” date at the top reflects the most recent changes. Your continued use of the site after updates constitutes acceptance of the revised disclaimer. Significant changes will be highlighted on the site or via email (if you are subscribed).

10. Contact Us

If you have questions about this disclaimer, or if you need clarification, please reach out directly:

Consent & Agreement

By using AmortizationChecker.com, you acknowledge that you have read, understood, and agreed to this disclaimer. If you do not agree, please discontinue use. Your trust is important as we are committed to transparency and accuracy. For further details, see our Privacy Policy and Terms & Conditions.