Terms of Service

Last updated: 2026-05-05

By using Mortgage Calculator Studio (the "Service") at https://mortgage.aidalabs.kr, you agree to these Terms. If you do not agree, please do not use the Service.

1. The service

Mortgage Calculator Studio provides free, in-browser mortgage and loan calculators together with educational reference material. The Service is offered "as is" and "as available". The content is general information for educational purposes only — see the full Disclaimer for the limits of what this site is.

2. Not financial advice

The calculators, glossary, and articles on this Service are not financial, investment, mortgage, tax, or legal advice, and are not a recommendation to enter into any specific loan, refinance, or financial product. Always confirm any decision with a licensed mortgage broker, certified financial planner, or other qualified professional. See the Disclaimer for the full statement.

3. Permitted use

• You may use the Service for lawful personal, educational, or commercial purposes.
• You may not attempt to disrupt the Service — for example, by sending automated requests at a rate designed to degrade availability, or by probing for vulnerabilities without prior written permission.
• You may not present the calculators or articles as your own advisory product without independent licensing and qualified oversight.

4. No warranty

The Service is provided without warranty of any kind, express or implied. While we use standard amortization math and try to keep glossary entries current, we do not warrant that every figure, assumption, or example reflects the latest rules of your jurisdiction, lender, or tax authority.

5. Limitation of liability

To the fullest extent permitted by law, Mortgage Calculator Studio and its operator are not liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Service, including but not limited to data loss, lost profits, missed opportunities, or financial losses arising from a loan or refinance decision. Our aggregate liability to you for any claim arising out of the Service is limited to USD 0 (the Service is free).

6. Third-party links and ads

The Service may display advertisements served by Google AdSense and may link to third-party websites, including lender publications and government agencies. We are not responsible for the content, privacy practices, or availability of any third-party site or advertisement. Inclusion of a link or display ad is not an endorsement.

7. Changes

We may modify these Terms as the Service evolves. The "Last updated" date at the top of this page reflects the most recent revision. Your continued use of the Service after a change constitutes acceptance of the updated Terms.

8. Governing law

These Terms are governed by the laws of the Republic of Korea, without regard to conflict-of-laws principles, to the extent that mandatory consumer protection laws of your place of residence do not provide otherwise.

9. Contact

Questions about these Terms can be sent to facered79@gmail.com.