Terms of Service

Last updated: June 5, 2026

1. Acceptance of Terms

By accessing or using RefinanceUSA ("the Site," "we," "our," or "us") at refinanceusa.online, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. RefinanceUSA is a product of Aesepus Technology.

2. Description of Service

RefinanceUSA provides a free, web-based mortgage refinance calculator and related educational content about mortgage refinancing. The Site is intended to help homeowners estimate potential savings from refinancing — it is an informational and educational tool only.

We reserve the right to modify, suspend, or discontinue the Site or any feature at any time without notice.

3. No Financial, Legal, or Mortgage Advice

The calculator results, articles, guides, and all other content on this Site are provided for informational and educational purposes only. Nothing on this Site constitutes:

  • Financial, investment, or tax advice
  • Legal advice
  • Mortgage or lending advice
  • A solicitation or offer to originate a loan

RefinanceUSA is not a mortgage lender, mortgage broker, bank, credit union, financial advisor, or investment advisor. We are not licensed under any federal or state lending or financial advisory law. Always consult a licensed mortgage professional, financial advisor, or attorney before making refinancing decisions. For free housing counseling, contact a HUD-approved housing counselor.

4. Accuracy of Calculator Results

Calculator outputs are estimates only based on the inputs you provide and simplified financial models. Actual loan payments, closing costs, interest savings, and break-even points will vary based on your lender's specific terms, your credit profile, local fees, taxes, and other factors not captured by the calculator.

We make reasonable efforts to ensure the accuracy of our formulas and content, but we make no representations or warranties that results are complete, accurate, current, or suitable for any particular purpose. See our Disclaimer for full details.

5. Acceptable Use

You agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable laws
  • Attempt to gain unauthorized access to any part of the Site or its underlying systems
  • Scrape, crawl, or systematically download content from the Site in bulk without written permission
  • Use automated tools to submit inputs to the calculator in volume
  • Distribute, resell, or commercially exploit the Site's content without permission
  • Introduce malware, viruses, or other harmful code

6. Intellectual Property

All content on the Site — including text, calculators, graphics, code, and design — is the property of Aesepus Technology and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent. You may share links to individual pages for personal, non-commercial purposes.

7. Third-Party Links and Services

The Site may contain links to third-party websites (such as lender sites, government resources, or financial institutions). These links are provided for informational purposes. We have no control over third-party sites and are not responsible for their content, accuracy, or privacy practices. Inclusion of a link does not constitute an endorsement.

We display advertisements through Google AdSense. We are not responsible for the content of those advertisements and do not endorse any advertised products or services.

8. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AESEPUS TECHNOLOGY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, FINANCIAL LOSSES, OR DECISIONS MADE IN RELIANCE ON CALCULATOR RESULTS — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising from your use of the Site shall not exceed $100 USD.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the United States, without regard to conflict-of-law principles. Any disputes arising under these terms shall be resolved in the courts of competent jurisdiction in the United States.

11. Changes to These Terms

We may update these Terms of Service from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the Site after changes are posted constitutes your acceptance of the updated terms.

12. Contact

Questions about these Terms of Service may be directed to: