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Terms of Service

Please read these terms carefully before using our services

Terms of Service

Last Updated: April 19, 2026

These Terms of Service ("Terms") govern your use of the ChiMortgageCalc website located at chicagomortcalc.netlify.app (the "Site") operated by ChiMortgageCalc ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site.

1. Acceptance of Terms

By accessing and using this Site, you accept and agree to be bound by the terms and provisions of this agreement. In addition, when using this Site's services, you shall be subject to any posted guidelines or rules applicable to such services. Any participation in this Site will constitute acceptance of this agreement.

2. Description of Service

ChiMortgageCalc provides free online mortgage calculation tools designed for the Chicago, Illinois and Cook County real estate market. Our services include:

  • Mortgage payment calculators
  • Amortization schedule generators
  • Property tax estimators
  • Transfer tax calculators
  • Educational content about Chicago real estate and mortgages

3. Disclaimer of Financial Advice

IMPORTANT: The information provided on this Site is for general informational and educational purposes only. It should not be considered as financial, legal, tax, or investment advice. The calculations and estimates provided by our tools are approximations and may not reflect your actual mortgage terms, property taxes, or closing costs.

  • We are not licensed mortgage lenders, brokers, or financial advisors
  • Our calculators use standard formulas and publicly available tax rates that may not be current
  • Actual mortgage terms, rates, and costs will vary based on individual circumstances
  • You should consult with qualified financial professionals before making any financial decisions
  • Property tax estimates are based on average rates and may not reflect actual assessments

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Site. Any reliance you place on such information is strictly at your own risk.

5. User Conduct

You agree not to use the Site to:

  • Violate any applicable local, state, national, or international law
  • Transmit any material that is unlawful, harmful, threatening, abusive, or otherwise objectionable
  • Attempt to gain unauthorized access to the Site, other accounts, or computer systems
  • Interfere with or disrupt the Site or servers or networks connected to the Site
  • Use any automated means to access the Site for any purpose without our express written permission
  • Collect or harvest any personally identifiable information from the Site

6. Intellectual Property

The Site and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of ChiMortgageCalc and its licensors. The Site is protected by copyright, trademark, and other laws. Our trademarks may not be used in connection with any product or service without our prior written consent.

7. Third-Party Links and Advertising

The Site may contain links to third-party websites or services that are not owned or controlled by ChiMortgageCalc. We display advertisements through third-party advertising networks, including Google AdSense. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by the use of any such content, goods, or services.

8. Limitation of Liability

In no event shall ChiMortgageCalc, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of (or inability to access or use) the Site
  • Any conduct or content of any third party on the Site
  • Any content obtained from the Site
  • Unauthorized access, use, or alteration of your transmissions or content
  • Any decisions made based on calculations or information provided by the Site

9. Indemnification

You agree to defend, indemnify, and hold harmless ChiMortgageCalc and its licensees, licensors, employees, contractors, agents, officers, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of and access to the Site.

10. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Illinois, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in courts located in Cook County, Illinois.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms.

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

14. Contact Us

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

  • Email: legal@example.com
  • Contact Page: Contact Us