Terms of Service

Agreement to Terms

By accessing and using FedRateCalc ("the Website"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website.

Description of Service

FedRateCalc provides:

• Federal Reserve interest rate tracking and information
• FOMC meeting schedules and rate history
• Free mortgage payment calculators
• Free student loan payment calculators
• Educational content about interest rates and financial planning

Data Accuracy

While we strive to provide accurate and up-to-date information about Federal Reserve rates, mortgage rates, and other financial data:

• We cannot guarantee the accuracy, completeness, or timeliness of all information
• Interest rates and financial data are subject to change without notice
• Calculator results are estimates based on the inputs you provide
• Actual loan terms depend on your credit profile, lender, and market conditions

Our data sources include the Federal Reserve Board, FRED Economic Data, and Freddie Mac. For the most current rates, please verify with official sources or your financial institution.

Calculator Terms

Our calculators provide estimates based on standard formulas:

• Mortgage Calculator: Uses standard amortization formulas. Does not include property taxes, insurance, PMI, or other fees that may apply.
• Student Loan Calculator: Provides estimates for different repayment plans. Actual payments may vary based on your loan servicer and specific loan terms.

Intellectual Property

The content on this Website, including text, graphics, logos, and software, is owned by FedRateCalc or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission.

User Conduct

You agree not to:

• Use the Website for any unlawful purpose
• Attempt to interfere with the proper functioning of the Website
• Use automated systems to access the Website without permission
• Transmit viruses or malicious code
• Collect user information without consent

Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of these external sites. Visiting linked sites is at your own risk.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FEDRATECALC SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR RELIANCE ON ANY INFORMATION PROVIDED.

This includes, but is not limited to, damages resulting from:

• Financial decisions made based on calculator results
• Inaccurate or outdated rate information
• Service interruptions or technical issues
• Loss of data or unauthorized access

Indemnification

You agree to indemnify and hold harmless FedRateCalc and its operators from any claims, damages, losses, or expenses arising from your use of the Website or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website constitutes acceptance of modified Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact

For questions about these Terms, please contact us at:

Email: legal@fedratecalc.com