Terms of Service / 服务条款
Last updated: July 12, 2026 / 最后更新：2026年7月12日
Welcome to Mortgage Calculator. By using our website at heils.top (the "Service"), you agree to these Terms of Service. If you do not agree with any part of these terms, please do not use our Service.
欢迎使用房贷计算器。使用我们的 heils.top 网站（"服务"），即表示您同意本服务条款。如果您不同意这些条款的任何部分，请不要使用我们的服务。
1. Service Description / 服务描述
Mortgage Calculator provides a free online tool for calculating mortgage loan payments, including equal payment and equal principal methods, amortization schedules, and related financial calculations.
房贷计算器提供免费的在线房贷还款计算工具，包括等额本息和等额本金方式、还款明细表及相关金融计算。
2. Disclaimer of Warranties / 免责声明
The Service is provided "as is" and "as available" without any warranties of any kind.
本服务按"原样"和"可用"基础提供，不附带任何形式的保证。
We do not guarantee that:
我们不保证：
- The calculation results will be accurate, complete, or reliable / 计算结果准确、完整或可靠
- The Service will be available at all times without interruption / 服务随时可用且不中断
- The Service will be free of errors or bugs / 服务无错误或漏洞
All calculations are estimates based on standard financial formulas and should not be considered as financial advice. Actual mortgage terms may vary depending on your lender, credit score, and other factors.
所有计算均为基于标准金融公式的估算，不应视为财务建议。实际房贷条款可能因贷款机构、信用评分等因素而有所不同。
3. No Financial Advice / 非财务建议
The information and tools provided on this website are for educational and reference purposes only. We are not financial advisors, and nothing on this website constitutes financial, legal, or tax advice. Always consult with qualified professionals before making financial decisions.
本网站提供的信息和工具仅供教育和参考用途。我们不是财务顾问，本网站上的任何内容均不构成财务、法律或税务建议。在做出财务决策之前，请务必咨询合格的专业人士。
4. Limitation of Liability / 责任限制
To the fullest extent permitted by law, Mortgage Calculator shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
在法律允许的最大范围内，房贷计算器不对以下情况产生的任何直接、间接、附带、后果性或惩罚性损害负责：
- Use of or inability to use the Service / 使用或无法使用本服务
- Any calculation errors or inaccuracies / 任何计算错误或不准确
- Decisions made based on the calculation results / 基于计算结果做出的决策
5. Acceptable Use / 可接受使用
You agree not to:
您同意不会：
- Use the Service for any illegal purpose / 将服务用于任何非法目的
- Attempt to disrupt or interfere with the Service / 尝试干扰或破坏服务
- Use automated tools to excessively access the Service / 使用自动化工具过度访问服务
- Modify, adapt, or hack the Service / 修改、改编或黑客攻击服务
6. Intellectual Property / 知产权
The Service, including its design, code, and content, is owned by Mortgage Calculator. You may use the Service for personal, non-commercial purposes.
本服务（包括其设计、代码和内容）归房贷计算器所有。您可将本服务用于个人非商业目的。
7. Third-Party Advertisements / 第三方广告
This website displays advertisements served by Google AdSense. We do not control the content of these advertisements and are not responsible for the products or services advertised. Clicking on ads is at your own risk.
本网站展示由 Google AdSense 提供的广告。我们不控制这些广告的内容，也不对所宣传的产品或服务负责。点击广告的风险由您自行承担。
8. Changes to Terms / 条款变更
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page. Continued use of the Service after changes constitutes acceptance of the new Terms.
我们保留随时修改本条款的权利。变更将在本页面发布后立即生效。变更后继续使用服务即表示接受新条款。
9. Governing Law / 适用法律
These Terms shall be governed by and construed in accordance with applicable international laws.
本条款应受适用的国际法律管辖并据此解释。
10. Contact / 联系
If you have any questions about these Terms, please contact us at contact@heils.top.
如果您对本条款有任何疑问，请联系 contact@heils.top。