Important Notice: The information provided by Become Mortgage Free, including all calculator outputs and educational content, is for informational and illustrative purposes only. It does not constitute financial, legal, or investment advice. Always consult a qualified financial professional before making decisions about your mortgage or financial situation.
1. Acceptance of Terms
By accessing or using the website located at becomemortgagefree.com and any associated tools, including the BMF Calculator at calc.becomemortgagefree.com (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.
These Terms apply to all visitors, users, and others who access or use our Services.
2. Description of Services
Become Mortgage Free provides educational content, tools, and calculators designed to help homeowners understand and explore mortgage acceleration strategies, including the use of first-position Home Equity Lines of Credit (HELOCs). Our Services are provided for informational and educational purposes only.
Access to the BMF Calculator portal at calc.becomemortgagefree.com is restricted to authorized agents who have been approved by Become Mortgage Free.
3. No Financial, Legal, or Professional Advice
The content available through our Services, including but not limited to calculator outputs, blog posts, educational materials, and projections, does not constitute:
- Financial advice or recommendations
- Legal advice
- Tax advice
- Investment advice
- Real estate or mortgage brokerage services
All calculator results and projections are hypothetical illustrations based on inputs you provide and certain assumptions. Actual results will vary significantly based on your individual financial situation, lender terms, market conditions, and other factors. We strongly encourage you to consult with a licensed financial advisor, mortgage professional, or attorney before making any financial decisions.
4. Eligibility and Authorized Use
Our public-facing website is available to all visitors. Access to the BMF Calculator portal is limited to individuals who have been authorized as agents by Become Mortgage Free. Unauthorized access to restricted areas of our Services is prohibited.
By using our Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.
5. User Responsibilities
When using our Services, you agree to:
- Provide accurate, complete, and current information where requested.
- Maintain the security of your account credentials (if applicable) and notify us immediately of any unauthorized access.
- Use our Services only for lawful purposes and in compliance with all applicable laws and regulations.
- Not attempt to gain unauthorized access to any portion of our Services or systems.
- Not use our Services to transmit any harmful, offensive, or unlawful content.
- Not reproduce, distribute, or otherwise exploit our content for commercial purposes without our express written permission.
6. Intellectual Property
All content, materials, tools, and software available through our Services, including but not limited to text, graphics, logos, calculator code, and educational content, are the property of Become Mortgage Free or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use our Services for personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, create derivative works of, or publicly display any content from our Services without our prior written consent.
7. Disclaimer of Warranties
Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
- Warranties of merchantability, fitness for a particular purpose, and non-infringement.
- Warranties that our Services will be uninterrupted, error-free, or free of viruses or other harmful components.
- Warranties regarding the accuracy, completeness, or reliability of any information provided.
Calculator results are illustrative only. No guarantee is made that any mortgage payoff timeline or interest savings projection will be achieved.
8. Limitation of Liability
To the maximum extent permitted by applicable law, Become Mortgage Free and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or related to your use of our Services.
In no event shall our total liability to you exceed the amount you paid us in the twelve months preceding the claim, or $100, whichever is greater.
9. Indemnification
You agree to indemnify, defend, and hold harmless Become Mortgage Free and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our Services, your violation of these Terms, or your violation of any rights of another party.
10. Third-Party Links and Services
Our Services may contain links to third-party websites, services, or resources. These links are provided for convenience only. We do not control, endorse, or assume responsibility for any third-party content, products, or services. Your use of third-party websites is subject to their respective terms and policies.
11. Privacy
Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
12. Modifications to Terms
We reserve the right to modify these Terms at any time. When we do, we will update the "Effective Date" at the top of this page. Your continued use of our Services after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
13. Termination
We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice, including for violations of these Terms.
14. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Clark County, Nevada, and you consent to the exclusive jurisdiction of such courts.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
16. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Become Mortgage Free regarding your use of our Services and supersede all prior agreements and understandings.
17. Contact Us
If you have questions about these Terms of Service, please contact us:
Become Mortgage Free
Email: info@becomemortgagefree.com
Website: becomemortgagefree.com