Terms of Use

Last updated: upon publication of this page.

By using pmicalculator.net you agree to these terms. Please read them carefully. If you do not agree, do not use the site.

PMI Calculator is a free educational tool. It is not a licensed mortgage advisor, lender, broker, or insurer. All information and calculations on this site are provided for general informational purposes only and should never be used as the sole basis for any financial decision. Always consult licensed professionals before signing loan documents.

Acceptance of terms

By accessing or using pmicalculator.net (the "Site"), you agree to be bound by these Terms of Use, our Privacy Policy, and our Disclaimer Cookie settings. If you do not agree to any part of these Terms, you must not use the Site. These Terms constitute a legally binding agreement between you and the operator of PMI Calculator.

Educational purpose only

PMI Calculator exists solely to provide educational information and general estimation tools related to private mortgage insurance (PMI), FHA mortgage insurance premium (MIP), VA funding fees, USDA guarantee fees, and related topics. We are not a licensed mortgage lender, not a licensed mortgage broker, not a licensed insurance agent or company, not a licensed financial advisor, not a licensed tax advisor, not a licensed attorney, and not a licensed real estate professional. We are not affiliated with any lender, insurer, government agency, or regulatory body.

Not professional advice

Nothing on this Site constitutes professional financial, legal, tax, insurance, mortgage, investment, or real estate advice. The content and calculators are not substitutes for personalized advice from qualified, licensed professionals who understand your complete financial situation.

Before making any decision regarding a mortgage, mortgage insurance, refinancing, or any related financial matter, you should consult a licensed mortgage lender or broker in your state, review actual loan documents and insurer rate sheets, speak with a licensed tax professional about tax implications, consult an attorney about legal implications, and verify all figures with the actual institutions involved. Do not rely on this Site as the sole source of information when making mortgage decisions.

Accuracy and estimates

All calculations and figures provided by this Site are estimates only. They are based on composite data from publicly available insurer rate cards and may not reflect the actual rates you will be quoted by a specific lender or insurer, your specific credit profile or underwriting factors, state-specific or lender-specific pricing adjustments, promotional rates or special programs, changes in federal regulations or insurer rate cards after the last update of this Site, or your individual financial circumstances. Actual PMI, MIP, funding fees, and loan terms you receive may differ substantially from the estimates provided by our calculators. You should verify all figures with the actual lender or insurer involved before relying on them.

No warranties

THE SITE, INCLUDING ALL CONTENT, CALCULATORS, AND TOOLS, IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, completeness, or timeliness of information, that the Site will be uninterrupted, secure, or error-free, that any defects will be corrected, and that the Site is free of viruses or other harmful components.

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the above exclusions may not apply to you.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PMI CALCULATOR, ITS OWNERS, OPERATORS, AFFILIATES, EMPLOYEES, OR CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, including financial loss resulting from reliance on calculator outputs or site content, lost profits or savings, mortgage or refinancing decisions, costs incurred from relying on inaccurate estimates, damages for errors or omissions in content, damages resulting from unauthorized access, service interruptions, or any other damages, whether in contract, tort, strict liability, or otherwise, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claim arising from or related to the Site shall not exceed one hundred US dollars ($100.00) or the amount you have paid us for use of the Site (which is zero), whichever is greater. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages; in such jurisdictions, our liability is limited to the greatest extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless PMI Calculator, its owners, operators, employees, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to your use or misuse of the Site, your violation of these Terms, your violation of any rights of another person or entity, or any decision you make based on information from the Site.

Intellectual property

All content on the Site, including text, graphics, logos, calculators, code, design, and layout, is the property of PMI Calculator or its content providers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view and use the Site for personal, non-commercial purposes, share links to our pages, and quote brief excerpts with proper attribution. You may not copy, reproduce, distribute, or create derivative works of substantial portions of our content without written permission; use our content for commercial purposes without written permission; scrape, data-mine, or systematically extract content from the Site; remove or alter any copyright, trademark, or proprietary notices; or use automated systems or software to access the Site in a way that disrupts service.

Acceptable use

You agree to use the Site only for lawful purposes. You will not use the Site in any way that violates any law or regulation, attempt to gain unauthorized access to the Site or its servers, interfere with or disrupt the Site or its services, introduce viruses or malware, use the Site to harass or harm another person, impersonate any person or entity, or submit false or misleading information.

Third-party links and advertising

The Site may contain links to third-party websites or display third-party advertisements. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party sites or services. Any transaction between you and a third party (including any advertiser or linked site) is solely between you and that third party.

Termination

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including violation of these Terms. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, warranty disclaimers, indemnity obligations, and limitations of liability.

Governing law and disputes

These Terms are governed by the laws of the jurisdiction in which the Site operator resides, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or the Site shall first be attempted to be resolved informally by contacting us. If informal resolution fails, disputes shall be resolved in the competent courts of the operator's jurisdiction, except where applicable consumer protection law of your country of residence grants you non-waivable rights to bring claims in your home jurisdiction.

Because this Site is a free, educational, informational resource and we do not sell products or services to you, we encourage good-faith communication before any formal action.

Changes to these terms

We may revise these Terms at any time by updating this page. Your continued use of the Site after any such changes constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.

Contact

Questions about these Terms can be sent through our contact page.

By using this Site, you acknowledge that you have read these Terms, understood them, and agree to be bound by them. You understand that this Site provides estimates and educational information only, and you will not rely solely on this Site when making mortgage, insurance, or other financial decisions.