Last updated: April 2026
1. Acceptance of Terms
By accessing or using CheapInTheCity.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.
2. Description of Service
CheapInTheCity.com provides free, web-based financial calculators and curated lists for informational and educational purposes. Our calculators help users estimate mortgage payoffs, compare financial scenarios, and plan for common financial decisions. Our lists provide curated resources, deals, and money-saving options for city dwellers. CheapInTheCity.com does not have affiliate relationships and does not receive compensation for listings or recommendations on the Site.
3. No Financial Advice
The information and calculations provided by this Site are for general informational purposes only and do not constitute financial, legal, tax, or investment advice. Results are estimates based on the inputs you provide and standard financial formulas.
You should not rely solely on the results from our tools to make financial decisions. Always consult a licensed financial advisor, mortgage professional, or other qualified expert before making important financial decisions.
4. Accuracy of Information
While we strive to provide accurate calculations, CheapInTheCity.com makes no warranties regarding the accuracy, completeness, or reliability of results. Actual outcomes may vary based on:
- Your lender's specific terms and conditions
- How payments are applied by your lender or servicer
- Changes in interest rates for variable-rate products
- Fees, taxes, insurance, or other costs not included in calculations
- Prepayment penalties or other contractual terms
5. No Data Collection
CheapInTheCity.com does not collect, store, or transmit any financial data you enter into our calculators. All calculations are performed locally in your browser. We do not have access to your financial details or personal information entered into any tool on this Site.
6. Third-Party Advertising
This Site uses Google AdSense to display advertisements. Google and its partners may use cookies to serve ads based on your prior visits to this or other websites. You can opt out of personalized advertising by visiting Google's Ads Settings. We are not responsible for the content of third-party advertisements.
7. Intellectual Property
All content on this Site, including text, design, graphics, and code, is the property of CheapInTheCity.com and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works without express written permission.
8. Limitation of Liability
To the fullest extent permitted by law, CheapInTheCity.com and its owners shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this Site, including any financial decisions made based on information provided by our tools.
9. Changes to Terms
We reserve the right to update or modify these Terms of Service at any time without prior notice. Changes are effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance of the new terms.
10. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in New York County, New York.