Effective Date: July 14, 2026

PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING REFIFASTCALC.COM.

1. Not Professional Advice

NestCalc.ai LLC dba RefiFastCalc.com is NOT a registered investment advisor. We are NOT registered with the United States Securities and Exchange Commission (SEC) or with any state securities regulator. We are NOT a broker-dealer. We are NOT a mortgage broker, mortgage lender, loan originator, real estate agent, attorney, accountant, or licensed financial professional of any kind.

No fiduciary relationship is created between you and RefiFastCalc.com by your use of the Service.

All content provided by RefiFastCalc.com — including calculations, projections, scenarios, charts, and any text or visual output — is for informational and educational purposes only. It does not constitute investment advice, tax advice, legal advice, lending advice, or financial advice of any kind.

2. Not a Lender; No Loan Offers

RefiFastCalc.com does not make, originate, broker, or arrange loans, and does not issue loan offers, quotes, prequalifications, or approvals. Any interest rates or terms shown in the Service are illustrative inputs or public reference data, not offers to lend. Actual rates and terms come only from a licensed lender.

3. Hypothetical Projections, Not Predictions

All calculations, projections, scenarios, and analyses generated by RefiFastCalc.com are entirely hypothetical. They are computed from the inputs you provide (loan balance, interest rates, terms, closing costs, and similar parameters).

The accuracy of every output depends entirely on the accuracy of your inputs. Garbage in, garbage out — if your rate, closing-cost, or term assumption is wrong, every break-even and savings projection in your results is wrong. The Service cannot validate your inputs against the actual terms a lender will offer you.

Past performance does not guarantee future results. Historical interest rate trends do not predict future rates.

4. Refinancing and Debt Risk

Refinancing and restructuring debt involve substantial risk, including:

5. Affiliate and Referral Disclosure

The Service may display links to partner offers. If you use such a link, we may earn a commission at no additional cost to you. Partner compensation never changes the calculations the Service shows you.

6. Consumer-Purpose and Business-Purpose Offers

Where the Service presents or links to loan-related offers, offers for consumer-purpose loans (such as a refinance of your primary residence) and offers for business-purpose loans (such as investment-property financing) are presented in separate placements and are not commingled. Different laws apply to each category.

7. Verify Independently

Before making any refinancing, financial, or investment decision based on RefiFastCalc.com output, you MUST:

RefiFastCalc.com provides tools — you make the decisions.

8. No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. RefiFastCalc.com makes reasonable efforts to provide accurate calculations, but does not warrant that the Service is error-free, uninterrupted, or current at any given moment.

Calculation methodology may be updated at any time without notice. Results generated under one version of the methodology may differ when re-run under a later version.

9. Limitation of Liability and Indemnification

To the maximum extent permitted by law, NestCalc.ai LLC dba RefiFastCalc.com, its members, employees, contractors, and affiliates assume no liability for any financial decision made in reliance on the Service. You agree to defend, indemnify, and hold NestCalc.ai LLC dba RefiFastCalc.com harmless from any and all claims, damages, losses, or expenses arising from your use of the Service or any decision you make in reliance on its outputs.

See the Terms of Service for the full liability cap.

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