Terms of Service

1. Acceptance of Terms

By accessing and using CalcRight (loans.shevch.com), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the site.

2. Description of Service

CalcRight provides free online financial calculators and educational content for informational purposes. Our tools include mortgage calculators, loan calculators, affordability estimators, and related financial planning tools for users in the United States, Canada, and Australia.

3. No Financial Advice

CalcRight is not a mortgage lender, financial advisor, real estate agent, or regulated financial institution. Before making any financial decision, consult a licensed mortgage broker, certified financial planner, or appropriate licensed professional.

4. Accuracy of Calculations

While we strive for accuracy, calculations on this site are estimates based on inputs you provide and standard financial formulas. Actual costs, rates, and payments will vary based on your creditworthiness, the specific lender and loan product, property-specific factors, current market conditions, and local regulatory requirements.

We make no warranty, express or implied, regarding the accuracy, completeness, or fitness for any purpose of the calculation results.

5. Data Sources

Rate data displayed on this site is sourced from the Federal Reserve (FRED API) for US rates, the Bank of Canada (Valet API) for Canadian rates, and the Reserve Bank of Australia for Australian rates. Rate data is updated regularly but may not reflect real-time market conditions. Rates shown are national averages or central bank policy rates, not loan offers.

6. Intellectual Property

The content, design, code, and tools on this site are owned by CalcRight and protected by applicable copyright and intellectual property laws. You may use the calculators for personal, non-commercial purposes.

Embed functionality is available for non-commercial, educational use via our developer tools.

7. Limitation of Liability

To the maximum extent permitted by law:

CalcRight and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use the site, any errors or inaccuracies in calculations, any financial decisions made based on site content, or any interruption or termination of service.

8. Privacy

Your use of this site is also governed by our Privacy Policy.

9. Changes to Terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the updated Terms. The "Last updated" date at the top indicates the most recent revision.

10. Contact

For questions about these Terms, please use our contact page.