Terms of Service | Mortgage Data Labs

Welcome to Mortgage Data Labs. These Terms of Service ("Terms") govern your access to and use of our website located at mortgagedatalabs.com (the "Site") and any calculators, tools, data, or reports made available through the Site.

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Site.

1. Important Financial Disclaimer

Disclaimer: Educational Estimates OnlyMortgage Data Labs is an educational tool. We are not a licensed lender, bank, mortgage broker, financial planner, or tax advisor. The calculations, rates, down payment figures, tax estimates, and dynamic charts are provided solely for illustrative purposes and do not represent loan offers, underwriting, or binding financial advice. Real interest rates, premiums, and policies vary by credit status, lender choice, and localized state/county assessment practices.

2. Data Sources & Local Benchmarks

The county-level statistical benchmarks (such as average down payments, tax rates, and conventional vs. FHA mortgage metrics) displayed on this website are aggregated and computed from historical transactional records made available under the Home Mortgage Disclosure Act (HMDA). While we clean and audit this data to ensure quality estimations, real-time market conditions fluctuate, and we cannot guarantee that historical benchmarks will reflect current or future mortgage terms or real estate market parameters.

3. Permitted Use & Intellectual Property

You are granted a limited, non-exclusive, non-transferable license to access and use the Site and its tools for personal, non-commercial educational purposes. You agree not to copy, reverse-engineer, scrape, redistribute, or build derivative products from our compiled county database files or application logic without prior written consent.

4. Limitation of Liability

To the maximum extent permitted by law, Mortgage Data Labs and its developers shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages, including but not limited to financial losses, buying decisions made, interest rate locks missed, or tax penalties incurred arising from the use or inability to use the calculators or information on this site.

5. Revisions and Errata

The materials appearing on Mortgage Data Labs could include technical, typographical, or photographic errors. We do not warrant that any of the materials on its website are accurate, complete, or current. We may make changes to the materials contained on the Site at any time without notice, but we do not make any commitment to update the materials.

6. Governing Law

Any claim relating to Mortgage Data Labs shall be governed by the laws of the website operator's jurisdiction, without regard to its conflict of law provisions.