At Refinance Calc Tool, we believe in complete transparency about how we operate, how we fund this site, and what you can expect from our content.
Advertising
This website displays advertisements through third-party ad networks. These ads help us keep the calculators free and the content accessible to everyone. We do not control the specific ads shown, and we do not endorse the products or services advertised unless explicitly stated.
Affiliate Relationships
We do not currently have affiliate relationships with any mortgage lenders, banks, or financial institutions. We do not earn commissions when you refinance, apply for a loan, or click on lender links. If this changes in the future, we will update this disclosure and clearly label any affiliate links.
Independence
Our content is independent. We do not accept payment from lenders to write favorable reviews or to feature specific products. Our advice is based on math and experience, not on sponsorships or partnerships.
Calculators and Data
All calculators on this site run entirely in your web browser. We do not collect, store, or transmit the financial information you enter. Your data never leaves your device. This is a core privacy principle of Refinance Calc Tool.
Not Financial Advice
The content on this site is for educational purposes only. It is not financial, legal, or professional advice. Always consult a qualified professional before making financial decisions. We are not responsible for any actions you take based on the information provided here.
Changes to This Disclosure
We may update this disclosure from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.
Last updated: June 9, 2026