Last Updated: May 5, 2026
By accessing or using mortgagebreakusa.com (the "Site"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this Site. These Terms constitute a legally binding agreement between you and Berean Defense, LLC ("Company," "we," "us," or "our").
The Site is provided for personal, non-commercial, informational use only. You may use our calculators and reference tools to help educate yourself about mortgage costs. You may not:
The information and tools provided on this Site are for educational and informational purposes only. Nothing on this Site constitutes financial advice, investment advice, legal advice, tax advice, or a recommendation to take any specific financial action. Calculator results are mathematical estimates — not quotes, not pre-approvals, and not commitments of any kind.
We are not a licensed mortgage lender, mortgage broker, real estate agent, financial advisor, or attorney. Always consult qualified professionals before making any financial decision. See our full Disclaimer.
We make reasonable efforts to ensure that content on the Site is accurate and current. However, we make no warranty that the information is complete, accurate, reliable, or up to date. Mortgage rates, tax rates, closing cost data, and applicable laws change frequently. We reserve the right to modify or remove content at any time without notice.
All content on this Site — including text, calculator code, design, graphics, and data compilations — is owned by or licensed to Berean Defense, LLC and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without prior written consent.
Brand names, product names, and company names referenced on this Site are the property of their respective owners. Their mention does not imply endorsement by or affiliation with MortgageBreakUSA.
This Site may contain affiliate links to third-party lenders, financial products, and services. If you click an affiliate link and complete an action, we may receive compensation. This does not affect the accuracy of our calculator results or data. All affiliate relationships are disclosed in our Disclaimer in compliance with FTC guidelines (16 CFR Part 255).
We may also display third-party advertising (such as Google AdSense). Advertisers have no influence over editorial content or calculator methodology.
The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over those sites and accept no responsibility for their content, privacy practices, or availability. Linking to a third-party site does not imply endorsement.
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BEREAN DEFENSE, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING ANY FINANCIAL DECISIONS MADE IN RELIANCE ON CALCULATOR RESULTS, 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 one hundred dollars ($100.00).
You agree to indemnify, defend, and hold harmless Berean Defense, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the American Arbitration Association's Commercial Arbitration Rules, conducted in Texas. You waive any right to participate in a class action lawsuit or class-wide arbitration.
We reserve the right to update these Terms at any time. Changes will be effective immediately upon posting with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
We reserve the right to restrict or terminate your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Questions about these Terms? Contact us or email blackpearlcom1@gmail.com.
See also: Privacy Policy · Disclaimer