Terms of Use

Acceptance of terms

By using RefiBreak you accept these terms. If you do not agree, please do not use the site.

Nature of the service

RefiBreak provides a calculator for informational purposes only. Results depend entirely on the numbers you enter and on the standard fixed-rate amortization formula. We do not guarantee that any result matches a lender’s offer, and we are not responsible for decisions made using this site.

No advice

The site does not provide mortgage, tax, legal or financial advice. Nothing here creates a client, fiduciary or advisory relationship. For advice about your situation, consult a qualified professional.

Availability

We aim to keep the calculator available, but we provide it "as is" without warranty of any kind, express or implied, including fitness for a particular purpose. We may change or discontinue features at any time.

Limitation of liability

To the fullest extent permitted by law, RefiBreak and its operators are not liable for any loss or damage arising from your use of, or reliance on, the calculator or its results.

Changes to these terms

We may update these terms. Continued use after a change constitutes acceptance of the updated terms.

Intellectual property

All text, code, and design on RefiBreak are provided for your personal, non-commercial use. You may reference the results you calculate, but you may not republish or sell the site’s content or present it as your own.

User conduct

You agree not to misuse the site — for example, by attempting to disrupt it, scrape it at scale, or use it for unlawful purposes. We may block access if we detect abuse.

Third-party links

The site may link to external sites, including advertising and opt-out pages. We are not responsible for their content, accuracy, or practices. Your use of those sites is at your own risk.

Indemnification

You agree to indemnify RefiBreak against any claim arising from your misuse of the site or your reliance on its results in a way that causes you loss.

Governing law

These terms are governed by the laws of the jurisdiction in which the site operates, without regard to conflict-of-law principles. If any provision is unenforceable, the remaining provisions remain in effect.

Contact

Questions about these terms can be sent to hello@refibreak.site.

We keep these terms short on purpose: use the site for its intended purpose, check the numbers yourself, and do not rely on it as advice. If something here reads differently from how you use the site, email us and we will answer plainly.