Terms of Use

Agreement to Terms

By accessing and using Fifty Year Term (fiftyyearterm.com), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our service.

Use License

Permission is granted to use this mortgage calculator for personal, non-commercial purposes. This license shall automatically terminate if you violate any of these restrictions.

You may not:

• Modify or copy the materials
• Use the materials for commercial purposes
• Attempt to decompile or reverse engineer any software
• Remove any copyright or proprietary notations
• Transfer the materials to another person or "mirror" the materials on any other server

Disclaimer

The mortgage calculator and information provided on Fifty Year Term are for educational and informational purposes only. The materials are provided "as is" without warranty of any kind.

Not Financial Advice

The information and calculations provided by Fifty Year Term do not constitute financial, legal, or tax advice. We are not financial advisors, and the calculator results should not be relied upon as the sole basis for any financial decision.

Users should:

• Consult with qualified financial advisors
• Verify all calculations independently
• Understand that actual loan terms may vary significantly
• Consider all factors beyond monthly payments when choosing a mortgage

Accuracy of Calculations

While we strive for accuracy, Kost Labs, LLC makes no warranties or representations regarding the accuracy, completeness, or reliability of the calculations. Results are based solely on the information you provide and standard mortgage calculation formulas.

Factors not included in our calculations may include:

• Property taxes and homeowners insurance
• Private mortgage insurance (PMI)
• HOA fees and special assessments
• Closing costs and origination fees
• Rate variations and discount points
• Special loan programs and assistance

Limitations of Liability

In no event shall Kost Labs, LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data, business, or profits) arising out of the use or inability to use our calculator, even if we have been notified of the possibility of such damage.

User Responsibilities

You are responsible for:

• Ensuring the accuracy of all inputs you provide
• Verifying calculations with qualified professionals
• Understanding your own financial situation
• Making informed decisions based on multiple sources of information
• Complying with all applicable laws when using our service

Modifications to Service

Kost Labs, LLC reserves the right to modify or discontinue the service (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Kost Labs, LLC operates, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to update these terms at any time. Continued use of the service after changes constitutes acceptance of the modified terms.