Privacy Statement & Terms of Use
Use at Your Own Risk
The information, calculations, and tools provided on Mortlab are for educational and informational purposes only. They should not be considered as professional financial, legal, or investment advice. All mortgage calculations are estimates based on the information you provide and may not reflect actual loan terms or conditions offered by lenders.
No Responsibility Disclaimer
Mortlab and its operators disclaim all responsibility and liability for any decisions made based on the information or calculations provided on this website. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any information presented. Users are solely responsible for verifying all information with qualified professionals before making any financial decisions.
Information Collection
We do not collect, store, or retain any personal financial information you enter into our calculators. All calculations are performed locally in your browser. We may use cookies and analytics tools to improve user experience and website functionality, but we do not associate this data with personally identifiable information.
Third-Party Services
Our website may display advertisements from third-party providers like Google AdSense. These services may use cookies to serve relevant ads based on your browsing activity. We do not control these third-party services and are not responsible for their privacy practices.
Accuracy of Calculations
While we strive to provide accurate mortgage calculations, actual loan terms, interest rates, and payments may vary significantly based on your creditworthiness, lender requirements, market conditions, and other factors. Always consult with qualified mortgage professionals and lenders for official quotes and terms.
No Professional Relationship
Use of this website does not create any professional relationship between you and Mortlab. We are not licensed financial advisors, mortgage brokers, or lenders. For professional advice tailored to your specific situation, please consult with qualified professionals in your area.
Website Availability
We make no guarantees regarding website availability, uptime, or uninterrupted service. The website may be temporarily unavailable due to maintenance, updates, or technical issues. We reserve the right to modify or discontinue any aspect of the website at any time without notice.
Changes to This Statement
We may update this privacy statement and terms of use from time to time. Continued use of the website constitutes acceptance of any changes. We recommend reviewing this page periodically for updates.
Contact Information
If you have questions about this privacy statement or the website's functionality, please use our contact information available on the main website.
Last updated: 7/30/2025
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