Terms of Use

Effective as of June 15, 2026.

These Terms of Use ("Terms") apply when you view or use the website located at https://www.amortization-calc.com and its sub-domains (the "Service"), owned and operated by ARSIDIAN LLC, a Wyoming limited liability company ("the Company", "we", "us" or "our"). Please review these Terms carefully. By accessing or using the Service, you signify your agreement to these Terms. If you do not agree to these Terms, you may not access or use the Service.

The Service

The Service provides free amortization and loan calculators and related informational content. You can use the Service without creating an account. We may modify, suspend, or discontinue any part of the Service at any time without notice.

No Financial Advice

The calculators and content provided through the Service are for general informational and educational purposes only. They do not constitute financial, legal, tax, accounting, or other professional advice, and they are not an offer or solicitation to lend. Results are estimates based on the figures you enter and on assumptions built into the calculators; your actual loan terms, payments, rates, taxes, insurance, and fees will be determined by your lender and other parties and may differ. You should consult a qualified professional before making any financial decision. You are solely responsible for any decisions you make based on the Service.

Estimates for reverse mortgages (including any Home Equity Conversion Mortgage figures such as the principal limit and available proceeds) rely on representative HUD Principal Limit Factors and lending limits that change over time and may not reflect current values; they are not a loan commitment. Reverse mortgages require borrowers to be at least 62, to occupy the home as a primary residence, and to complete HUD-approved counseling.

Privacy Policy

We respect the privacy of users of the Service. Please refer to our Privacy Policy, which explains how we collect, use, and disclose information that pertains to your privacy. By accessing or using the Service, you signify your agreement to the Privacy Policy.

Acceptable Use

Your permission to use the Service is conditioned upon the following restrictions. You agree that you will not, under any circumstances:

  • use the Service for any unlawful purpose or for the promotion of illegal activities;
  • attempt to harass, abuse, or harm another person or group;
  • interfere or attempt to interfere with the proper functioning of the Service;
  • make any automated use of the Service, or take any action that imposes or may impose an unreasonable or disproportionately large load on our servers or network infrastructure;
  • bypass any robot exclusion headers or other measures we use to restrict access to the Service, or use any software, technology, or device to scrape, spider, or crawl the Service or to harvest or manipulate data; or
  • publish or link to malicious content intended to damage or disrupt another user's browser or computer.

Intellectual Property

You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to the Service, including applicable copyrights, trademarks, and other proprietary rights. Other product and business names mentioned on the Service may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under these Terms.

Links to Other Sites and Materials

As part of the Service, we may provide links to third-party websites ("Third-Party Sites") as well as content originating from third parties. These links are provided as a convenience. We have no control over Third-Party Sites and are not responsible for their content, accuracy, opinions, reliability, privacy practices, or other policies. Inclusion of, or linking to, any Third-Party Site does not imply our approval or endorsement of it. If you decide to leave the Service and access a Third-Party Site, you do so at your own risk, and you should review the applicable terms and policies of that site.

Copyright Complaints

We respect the intellectual property rights of others. If you are a copyright owner or an agent thereof and believe, in good faith, that any material provided on the Service infringes your copyright, you may submit a written notification through the contact form on our About Us page that includes:

  1. a physical or electronic signature of a person authorized to act on behalf of the owner of the right that is allegedly infringed;
  2. a description of the copyrighted work claimed to have been infringed;
  3. a description of the material that is claimed to be infringing and information reasonably sufficient to enable us to locate it on the Service;
  4. your contact information, such as an address, telephone number, and email address;
  5. a statement that you have a good-faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  6. a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the owner of the right that is allegedly infringed.

We may remove material claimed to be infringing and may terminate access for users who are found to be repeat infringers.

Electronic Communications

Communications made through the Service's contact form will not constitute legal notice to the Company or any of its officers, employees, agents, or representatives in any situation where notice to the Company is required by contract or any law or regulation. For contractual purposes, you consent to receive communications from us in electronic form, and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, REGARDING THE SERVICE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY, AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTY THAT THE SERVICE OR ANY RESULTS IT PRODUCES WILL BE ACCURATE, UNINTERRUPTED, OR ERROR-FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR USE OF, OR RELIANCE ON, ANY INFORMATION OBTAINED FROM THE SERVICE. SOME JURISDICTIONS DO NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE, OR DATA, OR FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT RESULT FROM (A) YOUR USE OR INABILITY TO USE THE SERVICE; (B) THE SERVICE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE SERVICE AVAILABLE; OR (C) ANY OTHER INTERACTIONS WITH THE COMPANY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE. SOME JURISDICTIONS DO NOT PERMIT LIMITATIONS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

Modification of These Terms

We may amend these Terms at any time and will update them in the event of any such amendments. It is your responsibility to check the Service from time to time to view any changes. If you continue to use the Service after changes are posted, you signify your agreement to the revised Terms.

General Terms

If any part of these Terms is held invalid or unenforceable, that portion will be construed consistent with applicable law, and the remaining portions will remain in full force and effect. Any failure on our part to enforce any provision of these Terms will not be considered a waiver of our right to enforce it. You agree that any cause of action arising out of or related to your use of the Service must commence within one year after the cause of action accrues; otherwise, it is permanently barred.

These Terms and your use of the Service are governed by the laws of Wyoming, without regard to its conflict-of-law provisions.

We may assign or delegate these Terms and/or our Privacy Policy, in whole or in part, to any person or entity at any time, with or without your consent. You may not assign or delegate any rights or obligations under these Terms or the Privacy Policy without our prior written consent, and any unauthorized assignment by you is void.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM, AND WILL BE BOUND BY THEM. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS, TOGETHER WITH THE PRIVACY POLICY, REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND SUPERSEDE ANY PRIOR AGREEMENT, ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THESE TERMS.

Contact Us

If you have any questions about these Terms, please contact us through the contact form on our About Us page.