Legal

Terms of Service

Last updated: July 2026

Short version: The Mortgage & Real Estate Ally is a free set of calculators and educational guides. You're welcome to use it for personal, non-commercial purposes. The tools provide estimates only — not professional advice — and you use them at your own risk.

1. Acceptance of terms

By accessing or using The Mortgage & Real Estate Ally (https://themortgageandrealestateally.com, the "Site"), you agree to be bound by these Terms of Service and by our Disclaimer and Privacy Policy. If you do not agree with any part of these terms, please do not use the Site.

2. Use license

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Site and its calculators for your own free personal, non-commercial use. You may not:

Sell, resell, rent, or commercially exploit the Site or its content
Scrape, copy, or republish the calculators or guides as your own
Reverse-engineer, alter, or interfere with the Site's operation or security
Use the Site in any way that violates applicable law or the rights of others

All content, design, and code on the Site remain the property of the Site's operators and are protected by applicable intellectual property laws.

3. Disclaimer of warranties

The Site and all of its calculators, tools, and content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement. All results are estimates for educational purposes only and are not financial, mortgage, tax, real estate, or legal advice. We do not warrant that the Site will be uninterrupted, error-free, or that any figure it produces is accurate or suitable for your situation. See our Disclaimer for details.

4. Limitation of liability

To the fullest extent permitted by law, The Mortgage & Real Estate Ally and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of — or inability to use — the Site, its calculators, or any content or third-party link, even if advised of the possibility of such damages. Any financial or real estate decision you make is your sole responsibility. You should confirm any figure with a licensed professional before acting on it.

5. Third-party and affiliate links

The Site displays advertising (including Google AdSense) and contains links to third-party websites and affiliate partners. Some links are affiliate links, including Amazon Associates links (associate tag rytell0a-20); as an Amazon Associate we earn from qualifying purchases, at no additional cost to you. We do not control third-party sites and are not responsible for their content, products, or practices, and a link does not imply endorsement. Your use of any third-party site is governed by that site's own terms and policies.

    No professional relationship. Using this Site does not create a lender, broker, advisor, fiduciary, or attorney-client relationship. We are not a lender, real estate brokerage, financial advisor, tax preparer, or law firm. Always consult a licensed professional for advice specific to your circumstances.
  

6. Changes to these terms

We may update these Terms of Service from time to time. When we do, we will revise the "last updated" date above. Your continued use of the Site after any change constitutes acceptance of the updated terms. We encourage you to review this page periodically.

7. Contact

If you have questions about these Terms of Service, please reach out through our Contact page.

These Terms of Service, together with our Disclaimer and Privacy Policy, make up the complete agreement between you and The Mortgage & Real Estate Ally regarding your use of the Site.