Terms of Use

1. Acceptance of Terms

By accessing or using BestFreeMortgageCalculator.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

We reserve the right to modify these Terms at any time. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We will update the "Last updated" date above when changes are made.

2. Nature of the Service

BestFreeMortgageCalculator.com provides free online financial calculators, including mortgage payment calculators, affordability calculators, payroll calculators, and related tools (collectively, the "Calculators"). The Site is intended for residents of Canada and provides calculations based on Canadian financial regulations, tax rules, and mortgage guidelines.

All calculations are performed entirely within your browser. No financial data you enter is transmitted to our servers or stored in any way.

3. Disclaimer — Not Financial Advice

The results produced by our Calculators are estimates only and are based on the inputs you provide and general assumptions about Canadian mortgage products, tax rates, and financial regulations. Actual mortgage payments, qualification amounts, tax deductions, and other financial figures will vary based on:

• Your specific lender's terms, conditions, and qualifying criteria
• Your individual credit score, income verification, and financial history
• Current and future interest rate changes by the Bank of Canada
• Applicable provincial and municipal taxes, fees, and levies
• CMHC or private mortgage insurance requirements
• Changes to federal or provincial legislation

Always consult a qualified mortgage professional, licensed financial advisor, or legal counsel before making any financial decision. BestFreeMortgageCalculator.com is not a mortgage broker, lender, financial institution, or registered financial advisor.

4. Accuracy of Information

We make reasonable efforts to ensure that the information and calculations on this Site are accurate and up to date, including compliance with current CMHC guidelines, Bank of Canada rates, federal stress test rules, and provincial tax rates. However, we make no warranty, express or implied, as to the accuracy, completeness, reliability, or suitability of any information on the Site.

Financial regulations, tax rates, and mortgage guidelines change frequently. Information on this Site may not reflect the most recent changes. Always verify calculations with a qualified professional.

5. Limitation of Liability

To the maximum extent permitted by applicable Canadian law, BestFreeMortgageCalculator.com, its owners, operators, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or reliance on any calculation, information, or content on this Site
• Any errors, omissions, or inaccuracies in the calculations or content
• Any financial decision made based on information from this Site
• Interruption or unavailability of the Site
• Any third-party content, links, or advertisements displayed on the Site

Your sole remedy for dissatisfaction with the Site is to stop using it.

6. Acceptable Use

You agree not to use this Site to:

• Violate any applicable federal, provincial, or local laws or regulations
• Scrape, crawl, or systematically extract data from the Site without our written permission
• Attempt to gain unauthorised access to any part of the Site or its underlying systems
• Transmit any malicious code, viruses, or harmful data
• Use the Site in any way that could damage, disable, or impair its functionality
• Reproduce, distribute, or commercially exploit the Site's content without permission

7. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, calculator designs, and code, is the property of BestFreeMortgageCalculator.com or its content suppliers and is protected by Canadian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

You are permitted to share links to pages on this Site and to use our calculators for personal, non-commercial purposes.

8. Third-Party Links and Advertising

This Site may contain links to third-party websites and may display advertisements through Google AdSense and other advertising networks. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party sites or advertisements. Clicking on third-party links or advertisements is at your own risk.

9. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

11. Contact

If you have any questions about these Terms of Use, please contact us through the Contact page on this Site.