Terms of Service

Last Updated: March 2026

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the calculatemyemi.com website (the "Service") operated by EarlyPay Strategist ("us", "we", or "our"). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.

1. Educational and Informational Purposes Only

The calculators, charts, insights, and any resulting outputs provided on EarlyPay Strategist are strictly for educational and informational purposes. They do not constitute professional financial, legal, or tax advice. You should not rely on these calculations as the sole basis for making financial decisions.

2. Accuracy of Information

While we strive to ensure that the mathematical formulas powering our tools are accurate and reflect standard amortization practices, we cannot guarantee that the figures will match your specific bank's calculations exactly. Banks may use different days-in-a-year conventions, proprietary compounding logic, or dynamic processing fees. Always verify exact figures directly with your lending institution.

3. Limitation of Liability

In no event shall EarlyPay Strategist, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service.

4. Intellectual Property

The Service and its original content, features, layout, and functionality are and will remain the exclusive property of EarlyPay Strategist and its licensors.

5. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.