Terms of Use

1. Acceptance of Terms

By accessing or using FindMyRate at findmyrate.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. Continued use of the Site after changes constitutes acceptance of the updated Terms.

2. Description of Service

FindMyRate provides a free online mortgage refinance calculator and related educational content. The service allows users to:

• Estimate potential monthly savings from refinancing a home mortgage
• Calculate a break-even timeline for refinancing costs
• Receive a plain-English assessment of whether refinancing may be beneficial
• Access educational articles and guides about mortgage refinancing

FindMyRate is not a mortgage lender, mortgage broker, mortgage servicer, financial institution, or registered investment advisor. We do not originate, underwrite, fund, or service mortgage loans. We do not connect users with lenders or receive compensation for loan referrals.

3. Not Financial or Legal Advice

The content and tools on this Site are provided for educational and informational purposes only. Nothing on this Site should be construed as:

• Personalized financial advice
• Mortgage advice or recommendations
• Tax advice or tax planning guidance
• Legal advice
• An offer to lend money or provide credit
• A guarantee of any loan terms, rates, or approval

Calculator results are mathematical estimates based solely on the inputs you provide. Actual loan terms will vary significantly based on your creditworthiness, property details, lender policies, market conditions at the time of application, and many other factors we cannot account for.

Before making any refinancing decision, you should consult with a licensed mortgage professional and, where appropriate, a licensed financial advisor, tax professional, or attorney.

4. Accuracy and Disclaimers

Calculator Accuracy

Our calculator uses standard US mortgage amortization formulas. However, results are estimates and may differ from actual lender quotes due to:

• Lender-specific fees and charges not included in your inputs
• Your specific credit profile and risk assessment
• Property type, location, and current appraised value
• Loan-to-value ratio impacts on insurance requirements
• State and local taxes, recording fees, and other costs
• Lender discount points and fee structures that vary widely

Rate Information

Any interest rates shown as examples or defaults on this Site are illustrative only. They may not reflect current market rates and should not be used as a basis for financial planning without obtaining current quotes from licensed lenders.

Market Information

Economic and market information on this Site is based on publicly available data and is subject to change. We make no representation that this information is current, complete, or accurate.

5. No Warranty

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, FINDMYRATE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or usefulness of any content.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINDMYRATE AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING ANY DAMAGES RESULTING FROM FINANCIAL DECISIONS MADE IN RELIANCE ON INFORMATION FROM THIS SITE.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM USE OF THE SITE SHALL NOT EXCEED $100.

Some jurisdictions do not allow limitations on liability for certain damages, so some of the above limitations may not apply to you.

7. Permitted Use

You may use the Site for lawful personal, non-commercial purposes. You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use automated tools (bots, scrapers, crawlers) to access the Site in a way that places unreasonable load on our servers
• Reproduce, distribute, or create derivative works from our content without permission
• Use the Site in any way that could damage, disable, or impair the Site
• Attempt to collect information about other users

8. Intellectual Property

All content on this Site — including text, graphics, logos, calculator code, and educational articles — is owned by or licensed to FindMyRate and is protected by US copyright, trademark, and other intellectual property laws.

You may share links to the Site and quote brief excerpts (with attribution) for non-commercial purposes. You may not reproduce substantial portions of our content without written permission.

The FindMyRate name and logo are trademarks. Use of our marks without written permission is prohibited.

9. Third-Party Links and Advertising

The Site may contain links to third-party websites and display advertisements from third-party ad networks including Google AdSense. These links and ads are provided for convenience and informational purposes only.

We have no control over the content, privacy practices, or accuracy of third-party sites. Links to third-party sites do not constitute endorsement of those sites or their products. You access third-party sites at your own risk.

Advertisers are responsible for the content of their own ads. We are not responsible for advertiser claims.

10. Privacy

Your use of the 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.

In summary: we do not collect or store your financial inputs. Calculator data never leaves your browser. We collect minimal personal information (contact form submissions only) and do not sell user data.

11. Indemnification

You agree to indemnify, defend, and hold harmless FindMyRate and its operators from and against any claims, damages, costs, and expenses (including reasonable attorney fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

12. Governing Law and Disputes

These Terms are governed by the laws of the United States. Any dispute arising from these Terms or your use of the Site will be resolved through binding arbitration under the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for intellectual property violations.

YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.

13. Changes to Terms

We may update these Terms at any time by posting revised Terms on this page and updating the "Last Updated" date. For material changes, we will post a notice on the Site's homepage. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

14. Contact

For questions about these Terms, contact us at:

FindMyRate
Email: info@findmyrate.pro
Contact Form