Terms and Conditions

Welcome to AmortizationChecker.com. These Terms and Conditions (“Terms”) govern your use of our website, including all calculators, articles, and resources. By accessing or using the site, you agree to be bound by these Terms. If you do not agree, please do not use our services. AmortizationChecker.com is operated by Zyra Velline (contact details below). References to “we,” “us,” or “our” refer to the site operator.

1. Acceptance of Terms

By using this website, you affirm that you are at least 18 years old (or have parental consent) and that you agree to comply with these Terms. We may update these Terms from time to time; the “last modified” date indicates when changes were made. Your continued use constitutes acceptance of the revised Terms.

2. Use of Content & Calculators

All content on AmortizationChecker.com, including text, graphics, calculators, and tools, is provided for informational and educational purposes only. We grant you a limited, non‑exclusive, non‑transferable license to access and use the site for personal, non‑commercial purposes. You may not:

  • Copy, modify, or distribute any content without written permission.
  • Use the calculators to misrepresent loan terms or engage in fraudulent activity.
  • Attempt to reverse‑engineer or scrape our tools.

3. No Professional Advice

The calculators and articles are not a substitute for professional financial, legal, or tax advice. You should consult a qualified professional (such as a certified public accountant, attorney, or licensed financial advisor) before making any financial decisions. We do not provide personalized recommendations.

4. Accuracy of Information

We strive to keep all information accurate and up‑to‑date, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the content. Amortization formulas, interest rates, and loan regulations may change; therefore, figures generated by our calculators are estimates only. Always verify with your lender or financial institution.

5. Intellectual Property Rights

Unless otherwise noted, all content, logos, and design on this site are the property of AmortizationChecker.com or its licensors and are protected by U.S. and international copyright laws. You may not reproduce, republish, or sell any material without prior written consent.

6. User Conduct

You agree not to use the website in any way that:

  • Violates any applicable law or regulation.
  • Infringes the rights of others (including privacy and intellectual property).
  • Transmits harmful code, viruses, or attempts to disrupt the site’s functionality.
  • Engages in unauthorized data collection (e.g., scraping, harvesting).

7. Third‑Party Links & Advertisers

Our website may contain links to third‑party sites (e.g., Google AdSense, financial resources). We do not control and are not responsible for the content, privacy practices, or terms of those sites. Any interaction with third‑party advertisers is solely between you and the advertiser. We encourage you to review their terms and policies.

8. Disclaimer of Warranties

The website and all content are provided on an “as is” and “as available” basis without any warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, and non‑infringement. We do not warrant that the site will be uninterrupted, error‑free, or free of harmful components.

9. Limitation of Liability

To the maximum extent permitted by law, AmortizationChecker.com, its operator, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of (or inability to use) the website, even if we have been advised of the possibility of such damages. This includes any errors in calculators, lost data, or financial decisions based on our content.

⚠️ Important: You alone are responsible for your financial decisions. Our tools are meant to educate, not to guarantee outcomes.

10. Indemnification

You agree to indemnify and hold harmless AmortizationChecker.com, Zyra Velline, and any related parties from any claims, losses, liabilities, or expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms or your misuse of the site.

11. Termination

We reserve the right to terminate or restrict your access to the website at any time, without notice, for any reason, including if you violate these Terms.

12. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of the State of Florida, without regard to its conflict of laws principles. Any dispute arising from these Terms or your use of the site shall be resolved exclusively in the state or federal courts located in Pasco County, Florida. You consent to the personal jurisdiction of such courts.

13. Changes to Terms

We may update these Terms from time to time. When we do, we will revise the “last modified” date at the top. Significant changes may be highlighted on the website or via email (if you have subscribed). Your continued use after changes constitutes acceptance.

14. Contact Information

If you have any questions about these Terms, please contact us:

By using AmortizationChecker.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. They constitute the entire agreement between you and the operator regarding the use of this website. For information on how we handle your data, please see our Privacy Policy and Disclaimer.