Disclaimer
Important Financial Disclaimer
CommerceCalc provides educational estimates only. Always consult qualified financial professionals before making major financial decisions.
Last updated: August 2025
General Disclaimer
The information and calculations provided by CommerceCalc are for educational and informational purposes only. They should not be considered as financial, investment, legal, or tax advice.
All calculations are estimates based on the information you provide and standard formulas. Your actual financial situation may differ significantly from these estimates.
Educational Tool Only
What Our Calculators Are:
Educational tools to help you understand financial concepts
Starting points for financial planning discussions
Rough estimates based on standard calculations
What Our Calculators Are NOT:
Professional financial advice or recommendations
Guaranteed loan terms or interest rates
Substitutes for professional consultation
Calculation Accuracy & Limitations
Factors That May Affect Actual Results
Loan-Specific Factors:
• Your credit score and history
• Debt-to-income ratio
• Down payment amount
• Loan-to-value ratio
• Employment history
Market Factors:
• Current interest rate environment
• Lender-specific terms and fees
• Regional market conditions
• Economic factors
• Government policy changes
Important Note
Our calculations use standard financial formulas and may not account for all fees, taxes, insurance, or special loan features that could significantly impact your actual payments.
Seek Professional Advice
Before making any major financial decisions, we strongly recommend consulting with qualified professionals who can provide personalized advice based on your specific situation.
Financial Advisors
For comprehensive financial planning, investment strategies, and retirement planning.
Mortgage Brokers
For finding the best mortgage rates and terms based on your credit profile.
Tax Professionals
For understanding tax implications of your financial decisions.
Estate Lawyers
For legal aspects of major purchases and estate planning.
Market Conditions & Interest Rates
Interest rates and lending conditions change frequently. Our calculators may use sample rates that don't reflect current market conditions or the rates available to you specifically.
Always Verify Current Rates
Contact multiple lenders directly to get current rates and terms. Shop around to find the best deals for your specific situation and creditworthiness.
No Warranties
CommerceCalc makes no warranties, express or implied, regarding the accuracy, completeness, or reliability of our calculations or information. Use our tools at your own discretion and risk.
We provide these tools "as is" without warranty of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
Updates to Disclaimer
We may update this disclaimer from time to time to reflect changes in our service, applicable laws, or industry best practices. Please review this page periodically for any updates.
Remember
CommerceCalc is designed to give you a starting point for your financial planning. Use our estimates as a foundation for discussions with financial professionals who can provide personalized guidance for your unique situation.