Last updated: July 24, 2026
The website at www.mlcalc.com (the "Site") is operated by ARSIDIAN LLC, a Wyoming limited liability company ("we", "us", "our"). These Terms of Use (the "Terms") govern your access to and use of the Site. By using the Site you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.
These Terms include a disclaimer of warranties, a limitation of our liability, and an agreement to resolve disputes by individual arbitration — with a small-claims exception and a 30-day opt-out you can use.
The Site is not financial advice
MLcalc.com provides free educational calculators and general information about mortgages and loans. It is not financial, lending, tax, legal or investment advice, and it is not an offer to lend or a commitment to extend credit.
Every calculation the Site produces is an estimate based on the figures you enter and on general assumptions. Real offers depend on your credit, income, the property, the lender, your state, and costs we cannot know — closing costs, escrow requirements, mortgage insurance rules, rate locks and fees among them. Interest rates shown on the Site come from published third-party sources such as the Freddie Mac Primary Mortgage Market Survey, are averages rather than quotes, and change constantly.
Always confirm any number with a qualified lender, mortgage broker, or financial or tax professional before you rely on it. Decisions about borrowing are yours alone, and you take full responsibility for them.
Who may use the Site
You may use the Site if you can form a binding contract with us under applicable law. If you use the Site on behalf of a company or other organisation, you confirm that you are authorised to bind it to these Terms. You do not need an account, and we do not ask you to create one.
Availability
We may change, suspend or discontinue the Site or any part of it at any time, and access may be interrupted for maintenance, updates, technical problems or reasons outside our control. We do not promise uninterrupted or error-free availability.
Acceptable use
You agree to use the Site lawfully, and not to:
- interfere with or disrupt the Site, its infrastructure, or anyone else's use of it;
- place an unreasonable or disproportionate load on the Site;
- attempt to gain unauthorised access to any part of the Site, its systems or its data;
- introduce viruses, worms, or any other malicious or harmful code;
- use the Site to send spam, chain messages or unsolicited commercial communications;
- misrepresent your identity or your affiliation with any person or organisation; or
- use the Site in a way that violates any applicable law or regulation.
Automated access
Search engines and other well-behaved crawlers are welcome, provided they respect the directives in our robots.txt file. Other automated access — scraping, harvesting, bulk downloading, or systematically extracting the Site's data — requires our prior written permission. Do not bypass robots.txt, rate limits, or any other technical measure that restricts access.
Feedback and anything you send us
If you send us feedback, a bug report, a suggestion or any other material through the contact form or otherwise, you keep ownership of it. You grant us a non-exclusive, worldwide, royalty-free, perpetual and irrevocable licence to use, reproduce, adapt and publish that material for the purpose of operating and improving the Site and our products, and to act on any suggestion without obligation, credit or payment to you.
Please do not send us confidential information or anything you are not free to share. We may edit, decline to publish, or remove material you send, but we are not obliged to review or monitor it.
Our intellectual property
The name "MLcalc", the mlcalc.com brand, and the Site's design, graphics, logos, icons, page layouts, text, calculators and software (together, the "Content") are owned by us or licensed to us, and are protected by United States and international copyright, trademark and other laws. Third-party names and marks appearing on the Site belong to their respective owners.
You may view, print and download the Content for your own personal, non-commercial use, and you may quote or cite it with attribution and a link back to the relevant page. Beyond that — and beyond the widget licence below — you may not copy, republish, redistribute, sell, modify or create derivative works from the Content without our prior written permission. Do not remove any copyright or proprietary notices, and do not use our name or marks in a way that suggests endorsement or affiliation we have not given.
Free widgets and embedding
We publish calculator and mortgage-rate widgets for use on other websites. Subject to these Terms, you may embed our widgets on a website you own or operate, free of charge, provided that you:
- use the embed code we publish, without altering its function, branding or the attribution link back to mlcalc.com;
- do not present the widget as your own product, and do not imply that we endorse your site; and
- do not use the widget on a site that is unlawful, deceptive, or that contains material we would reasonably consider harmful or objectionable.
We may change, update or discontinue any widget at any time, and we may withdraw permission to embed it if these conditions are not met. The widget is provided on the same as-is basis as the rest of the Site.
Advertising and third-party links
The Site is supported by advertising and contains links to third-party websites, including those of advertisers and lenders. Those links and advertisements are not an endorsement or recommendation. We do not control third-party sites, we are not responsible for their content, products, policies or practices, and we do not guarantee that any rate, term or product advertised is accurate, available, or the best available to you. Your dealings with any third party are between you and them.
Copyright complaints
If you believe material on the Site infringes your copyright, please contact us through our contact form with: your contact details; identification of the copyrighted work; the address of the material in question; a statement that you believe in good faith that the use is not authorised by the copyright owner, its agent or the law; a statement that the information in your notice is accurate and that you are the owner or authorised to act on the owner's behalf; and your physical or electronic signature. We will respond to properly submitted notices and may remove the material.
Disclaimer of warranties
THE SITE AND ALL CONTENT ARE PROVIDED AS IS AND AS AVAILABLE, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE SITE IS FREE OF HARMFUL COMPONENTS, OR THAT ANY CALCULATION, RATE OR OTHER INFORMATION IS ACCURATE, COMPLETE OR CURRENT. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT.
Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.
Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE — INCLUDING ANY DECISION YOU MAKE IN RELIANCE ON A CALCULATION, RATE OR OTHER INFORMATION ON THE SITE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED US DOLLARS ($100).
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
Indemnification
You agree to indemnify and hold harmless ARSIDIAN LLC and its officers, directors, employees and agents from any claims, damages, losses and reasonable legal fees arising out of your breach of these Terms, your misuse of the Site, or your violation of any law or of the rights of any third party. We will notify you of any such claim and may participate in its defence at our own expense.
Changes to these Terms
We may update these Terms from time to time. The updated version will be posted on this page with a new Last updated date, and it takes effect when posted. If we make a material change, we will make reasonable efforts to highlight it on the Site. Your continued use of the Site after the change takes effect means you accept the updated Terms; if you do not accept them, stop using the Site.
Governing law
These Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-laws rules. If you live outside the United States, you may still have the benefit of mandatory consumer-protection rules of your country of residence, and nothing here removes those rights.
Resolving disputes
Talk to us first. If you have a problem, please contact us before starting formal proceedings. Most issues can be sorted out quickly, and we will try in good faith to resolve your concern within 60 days.
Arbitration. If we cannot resolve it, you and we agree that any dispute arising out of or relating to these Terms or the Site will be settled by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. Arbitration may take place in Laramie County, Wyoming, or — at your election — remotely or in the county where you live. Fees are allocated according to the AAA Consumer Arbitration Rules, which place most of the cost on us; you are not required to pay any deposit to begin arbitration. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.
Small claims. Either of us may instead bring an individual claim in small-claims court if it qualifies.
Injunctive relief. Either of us may ask a court for an injunction or other equitable relief to protect intellectual property or to stop unauthorised access to the Site.
Individual basis only. Claims must be brought individually. You and we each waive any right to bring or take part in a class, collective or representative action, and the arbitrator may not consolidate claims or preside over any form of class proceeding. If this paragraph is found unenforceable, the arbitration agreement in this section does not apply to that claim, which will instead be heard by the state or federal courts sitting in Laramie County, Wyoming.
How to opt out of arbitration. You may reject this arbitration agreement by telling us so through our contact form within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration. Opting out affects nothing else in these Terms, and we will not treat you differently for doing so.
Miscellaneous
If any provision of these Terms is held unlawful, void or unenforceable, that provision will be limited or removed to the minimum extent necessary and the remaining provisions will stay in full force. Our failure to enforce any provision is not a waiver of it. You may not assign or transfer these Terms; we may assign them to an affiliate or in connection with a merger, acquisition or sale of assets. Headings are for convenience only. Provisions that by their nature should survive termination — including the intellectual property, disclaimer, liability, indemnification and dispute sections — will survive. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site.
You consent to receive communications from us electronically, and you agree that notices we provide by email or by posting on the Site satisfy any legal requirement that they be in writing.
Contact
Questions about these Terms? Contact ARSIDIAN LLC through our contact form.