Mortgage Calculator & Affordability Calculator Terms Of Use, Privacy Notice, And Disclaimer
Effective Date: June 23, 2026
Website: Mefthe.com
IMPORTANT: By clicking the “Calculate and Email Me” button, you acknowledge that you have read, understood, and agree to these Terms of Use, Privacy Notice, and Disclaimer.
- NO FINANCIAL, LEGAL, TAX, OR MORTGAGE ADVICE
The Mortgage Calculator and Affordability Calculator available on Mefthe.com are provided solely for informational and educational purposes.
The estimates, calculations, projections, and results generated by these tools are not financial advice, mortgage advice, lending advice, legal advice, tax advice, accounting advice, investment advice, or professional advice of any kind.
Users should consult qualified financial advisors, mortgage lenders, attorneys, accountants, tax professionals, or other licensed professionals before making any financial or real estate decisions.
- ESTIMATES ONLY – NO GUARANTEE OF ACCURACY
The calculators are designed to provide estimated mortgage and affordability information based on data entered by the user.
Mefthe.com does not guarantee:
- The accuracy of any calculation or estimate;
• The availability of any mortgage product;
• Mortgage approval or qualification;
• Interest rates;
• Property taxes;
• Insurance costs;
• Monthly payment amounts;
• Loan terms;
• Affordability results;
• Closing costs;
• Lending requirements; or
• Any other information generated by the calculators.
Actual mortgage payments, loan approvals, costs, interest rates, taxes, insurance premiums, and affordability assessments may vary significantly from the estimates displayed.
Users acknowledge that calculator results may contain errors, omissions, inaccuracies, delays, or outdated information.
- NO LENDER RELATIONSHIP
Use of these calculators does not create any lender-borrower relationship, broker-client relationship, fiduciary relationship, agency relationship, or professional relationship between the user and Mefthe.com, its owners, administrators, employees, affiliates, contractors, agents, or partners.
Mefthe.com is not acting as a lender, mortgage broker, loan originator, financial advisor, real estate broker, or real estate agent through these calculators.
- USER RESPONSIBILITY
Users are solely responsible for:
- Verifying all information;
• Reviewing mortgage terms with licensed professionals;
• Evaluating affordability;
• Confirming loan qualification requirements;
• Confirming tax, insurance, and lending costs; and
• Making independent financial decisions.
Users agree not to rely solely upon the calculator results when making real estate, lending, refinancing, purchasing, selling, or investment decisions.
- INFORMATION COLLECTION AND CONSENT
By submitting information through the calculators, users expressly consent to Mefthe.com collecting, storing, processing, and using the information provided.
Information may include:
- Name;
• Email address;
• Mortgage estimates;
• Affordability calculations;
• Property information;
• Financial information entered into the calculator;
• IP address;
• Browser information;
• Device information;
• Usage data; and
• Other information voluntarily provided by the user.
Users acknowledge and agree that submitted information may be stored in the website database indefinitely unless otherwise required by law.
- EMAIL COMMUNICATION CONSENT
By clicking “Calculate and Email Me,” users authorize Mefthe.com and its administrators to contact them using the email address submitted through the calculator.
Users may receive:
- Requested calculation results;
• Follow-up communications;
• Mortgage-related information;
• Real estate information;
• Rental information;
• Advertising and promotional materials;
• Newsletter communications;
• Marketing offers; and
• Other communications related to Mefthe.com services.
Users may opt out of marketing emails at any time by following unsubscribe instructions provided in the communication.
- MARKETING USE OF INFORMATION
Users acknowledge and agree that information submitted through the calculators may be used for:
- Marketing purposes;
• Advertising campaigns;
• Customer relationship management;
• Lead generation;
• Statistical analysis;
• Business analytics;
• Service improvements;
• Internal business operations; and
• Communications regarding products and services offered by Mefthe.com or its partners.
- INFORMATION SHARING
Users understand and agree that information submitted through the calculators may be accessed by website administrators, authorized personnel, contractors, service providers, affiliates, and business partners assisting in the operation of Mefthe.com.
Mefthe.com may disclose information when:
- Required by law;
• Required by court order;
• Required by subpoena;
• Necessary to protect legal rights;
• Necessary to investigate fraud;
• Necessary to protect public safety;
• Necessary to enforce these Terms; or
• Permitted under applicable law.
- NO WARRANTIES
The calculators and all related services are provided on an “AS IS” and “AS AVAILABLE” basis.
To the maximum extent permitted by Maryland law, Mefthe.com disclaims all warranties, express or implied, including but not limited to:
- Merchantability;
• Fitness for a particular purpose;
• Accuracy;
• Reliability;
• Availability;
• Non-infringement; and
• Error-free operation.
Mefthe.com makes no representation that the calculators will operate uninterrupted, secure, timely, or free from errors.
- LIMITATION OF LIABILITY
To the fullest extent permitted by law, Mefthe.com, its owners, officers, directors, employees, contractors, affiliates, administrators, successors, and assigns shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or other damages arising out of or related to:
- Use of the calculators;
• Reliance on calculation results;
• Mortgage decisions;
• Real estate transactions;
• Lending decisions;
• Financial losses;
• Lost profits;
• Lost opportunities;
• Data loss;
• Service interruptions; or
• Any errors or omissions.
Users assume all risks associated with use of the calculators.
- INDEMNIFICATION
Users agree to defend, indemnify, and hold harmless Mefthe.com, its owners, affiliates, administrators, officers, employees, contractors, agents, successors, and assigns from and against any claims, liabilities, damages, losses, expenses, costs, and attorney fees arising from:
- Use of the calculators;
• Violation of these Terms;
• Reliance upon calculator results;
• User-provided information; or
• Any dispute related to mortgage or affordability calculations.
- THIRD-PARTY INFORMATION
Calculator estimates may rely on assumptions, formulas, publicly available information, or third-party data sources.
Mefthe.com is not responsible for the accuracy, completeness, or reliability of any third-party information.
- AGE REQUIREMENT
Users must be at least 18 years old to submit information through the calculators.
By submitting information, users represent and warrant that they are at least 18 years of age.
- GOVERNING LAW
These Terms shall be governed by and interpreted under the laws of the State of Maryland, without regard to conflict of law principles.
- DISPUTE RESOLUTION
Any dispute arising from the use of the calculators or Mefthe.com shall be subject to the exclusive jurisdiction of the state and federal courts located in Maryland.
Users agree that any claim must be brought individually and not as part of any class action, collective action, or representative proceeding.
- CHANGES TO THESE TERMS
Mefthe.com reserves the right to modify, update, revise, or replace these Terms at any time without prior notice.
Continued use of the calculators constitutes acceptance of any revised Terms.
- CONTACT INFORMATION
Questions regarding these Terms may be directed to the administrators of Mefthe.com through the contact information provided on the website.
ACKNOWLEDGMENT
BY CLICKING THE “CALCULATE AND EMAIL ME” BUTTON, YOU ACKNOWLEDGE THAT:
- YOU HAVE READ THESE TERMS;
• YOU UNDERSTAND THESE TERMS;
• YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS;
• YOU UNDERSTAND THE RESULTS ARE ESTIMATES ONLY;
• YOU UNDERSTAND THE INFORMATION IS NOT GUARANTEED;
• YOU CONSENT TO THE COLLECTION AND STORAGE OF YOUR INFORMATION;
• YOU CONSENT TO BE CONTACTED BY EMAIL;
• YOU CONSENT TO MARKETING COMMUNICATIONS FROM MEFTHE.COM; AND
• YOU RELEASE MEFTHE.COM FROM LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW.