Your Mortgage Toolbox

Terms of Use

Plain-language rules for using our calculators, guides, and content.

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Disclaimer:
The accuracy of these calculators and their applicability to your circumstances is not guaranteed. You should obtain personal advice from qualified professionals before making any financial decision.

Terms and Conditions:
The following terms govern your use of Your Mortgage Toolbox software and content. By using this site, you agree to these conditions.

  1. Your use of this site, calculators, and content is at your own risk. Always consult licensed professionals for financial decisions.
  2. All information is provided "as is" without warranties of any kind. We do not guarantee accuracy, timeliness, or uninterrupted access.
  3. We are not liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use the software, content, or website.
  4. You may not reproduce, resell, distribute, embed, or reverse-engineer our software, calculators, guides, or site content without express written permission.
  5. This content is for personal, non-commercial use only unless you have a written license from us.
  6. Your Mortgage Toolbox and its licensors retain all intellectual property rights, including copyrights, trademarks, and trade secrets.
  7. Unauthorized iframe embedding of any page or calculator on a third-party site is prohibited and is technically blocked.
  8. Licensing inquiries (for real estate professionals, lenders, and others who wish to embed or feature our calculators) should be directed to info@yourmortgagetoolbox.com.
  9. This agreement is governed by the laws of the State of Texas. Any disputes must be settled in Tarrant County, Texas courts.
  10. Violation of these terms may result in denied access to the site and may give rise to civil or criminal liability.
  11. You agree to indemnify and hold us harmless from any claims arising from your violation of these terms.
  12. If any provision of these terms is found unenforceable, the remaining provisions remain in full effect.
  13. We reserve the right to modify these terms at any time. The most recent version is always posted at this URL.

Effective Date: May 9, 2026

Commercial License Terms — Paid Subscribers
If you have purchased a subscription to embed Your Mortgage Toolbox calculators on your website, the following additional terms govern your license. These terms supplement and do not replace the General Terms above.

  1. License Grant. Subject to your active paid subscription, Your Mortgage Toolbox grants you a limited, non-exclusive, non-transferable license to embed the licensed calculators on the number of authorized domains specified by your plan: one (1) domain for Individual Pro; up to three (3) domains for Team / Office; as specified in a written agreement for Enterprise.
  2. Authorized Domains. You must register your authorized domain(s) with us at the time of account setup. Your embed code is valid only for those registered domains. Use on additional or unregistered domains requires a plan upgrade or a separate written agreement.
  3. No Sublicensing or Transfer. You may not share, resell, sublicense, gift, or otherwise transfer your embed code or subscription access to any third party. Each subscriber must maintain their own active subscription.
  4. Attribution. Individual Pro and Team / Office subscriptions retain "Powered by Your Mortgage Toolbox" attribution on all calculator pages. Enterprise subscribers may remove attribution only if expressly permitted in their written agreement.
  5. Permitted Customization. You may configure brand colors, upload your logo (where included in your plan), and adjust market fee settings through the tools and instructions we provide. You may not modify, decompile, reverse-engineer, or create derivative works from the underlying calculator code.
  6. Prohibited Uses. The licensed calculators may not be embedded on websites that promote illegal activities, contain adult or otherwise harmful content, or engage in any activity that violates applicable local, state, federal, or international law.
  7. Subscription & Renewal. Subscriptions are billed on the cycle you select at checkout (monthly or annual) and renew automatically until cancelled. You may cancel at any time by emailing info@yourmortgagetoolbox.com; cancellation takes effect at the end of the current paid billing period, and no partial-period refunds are issued except as provided in the Refund Policy below.
  8. Refund Policy. You may request a full refund within thirty (30) days of your initial subscription purchase by emailing us. Refunds are not issued after thirty (30) days or on any renewal charges. Refunds for Enterprise engagements are governed by the written agreement for that engagement.
  9. Termination for Cause. We may terminate your license immediately, without refund, if you violate any provision of these terms. Upon termination for any reason, you must promptly remove all embed codes from your websites. We reserve the right to deactivate embed codes remotely upon termination.
  10. No Warranty on Calculator Accuracy. Calculator outputs are estimates intended to help clients plan and prepare — they are not guaranteed to match actual lender quotes, closing cost disclosures, or other financial figures. You are solely responsible for communicating appropriate disclaimers to your clients and for any reliance they place on calculator results.
  11. Limitation of Liability. Our total cumulative liability to you under any commercial license shall not exceed the total subscription fees you paid in the twelve (12) months immediately preceding the claim.
  12. Governing Law. These Commercial License Terms are governed by the laws of the State of Texas. Any disputes shall be resolved in the courts of Tarrant County, Texas.

Effective Date: May 14, 2026