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。
11. User Responsibilities / 用户责任
You are responsible for ensuring that the information you input into the calculator is accurate and appropriate for your needs. You should verify calculation results with your lender or financial advisor before making any financial decisions based on the results. We are not responsible for any consequences arising from decisions made solely based on the calculator's output.
您有责任确保输入计算器的信息准确且符合您的需求。在根据计算结果做出任何财务决策之前，您应向贷款机构或理财顾问核实计算结果。对于仅基于计算器输出所做的决策而产生的任何后果，我们不承担责任。
You agree to use the calculator for lawful purposes only and to not misuse the service in any way that could damage, disable, overburden, or impair the website. You also agree not to attempt to reverse engineer, decompile, or otherwise extract source code from the Service.
您同意仅将计算器用于合法目的，不得以任何可能损害、禁用、过度加载或削弱网站的方式滥用本服务。您还同意不尝试对本服务进行逆向工程、反编译或以其他方式提取源代码。
12. Service Modifications / 服务变更
We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service. We may also impose limits on certain features of the Service or restrict access to parts or all of the Service without notice.
我们保留随时修改、暂停或终止本服务（或其任何部分）的权利，无需事先通知。对于服务的任何修改、暂停或终止，我们不向您或任何第三方承担责任。我们还可能对服务的某些功能施加限制，或在不另行通知的情况下限制对服务部分或全部的访问。
We may add new features, change existing functionality, or remove features based on user feedback and technological advancements. We strive to maintain the core calculation functionality while continuously improving the user experience. Major changes will be communicated through the website.
我们可能会根据用户反馈和技术进步添加新功能、更改现有功能或移除某些功能。我们将在持续改善用户体验的同时，努力保持核心计算功能的稳定性。重大变更将通过网站进行通知。
13. No Financial Advice / 非财务建议补充说明
The mortgage calculator is a mathematical tool that performs calculations based on the inputs you provide. It does not constitute financial advice, a loan offer, or a guarantee of any specific loan terms. Mortgage rates, terms, and conditions vary significantly between lenders, regions, and over time. The results generated by our calculator should be treated as estimates only.
房贷计算器是一个数学工具，根据您提供的输入进行计算。它不构成财务建议、贷款邀约或任何特定贷款条款的保证。房贷利率、条款和条件因贷款机构、地区和时间而异，差异可能很大。我们的计算器生成的结果应仅视为估算值。
Factors that may affect your actual mortgage terms include but are not limited to: your credit score, debt-to-income ratio, employment history, property type, loan-to-value ratio, and prevailing market interest rates. Different countries and regions may also have specific regulations, tax policies, and government-backed loan programs that affect mortgage terms. Always consult with licensed financial professionals before making significant financial decisions.
可能影响您实际房贷条款的因素包括但不限于：信用评分、债务收入比、就业历史、房产类型、贷款价值比以及当前市场利率。不同国家和地区还可能有特定的法规、税收政策和政府支持的贷款计划，这些都会影响房贷条款。在做出重大财务决策之前，请务必咨询持牌财务专业人士。
14. Calculation Accuracy Limitations / 计算精度限制
Our calculator uses standard amortization formulas that assume fixed interest rates and regular monthly payments. Real-world mortgages may involve variable interest rates, rate adjustments, payment holidays, early repayment fees, balloon payments, and other complexities that are not fully accounted for in the basic calculation.
我们的计算器使用标准摊销公式，假设固定利率和定期月供。实际房贷可能涉及浮动利率、利率调整、还款假期、提前还款费用、气球付款等复杂性，这些在基本计算中未被完全考虑。
Calculations involving currencies other than your local currency are for reference only. Exchange rates fluctuate and may affect the actual cost of your mortgage if you are borrowing in a foreign currency. Tax implications of mortgage payments also vary by jurisdiction and are not included in our calculations.
涉及非本地货币的计算仅供参考。汇率波动可能影响您以外币借款时的实际房贷成本。房贷还款的税务影响也因司法管辖区而异，未包含在我们的计算中。
15. Third-Party Links / 第三方链接
This website may contain links to third-party websites or resources. We are not responsible for the content, accuracy, or practices of any third-party websites. Accessing third-party links is at your own risk, and you should review the terms of service and privacy policies of any third-party sites you visit.
本网站可能包含指向第三方网站或资源的链接。我们不对任何第三方网站的内容、准确性或做法负责。访问第三方链接的风险由您自行承担，您应查看所访问的任何第三方网站的服务条款和隐私政策。
16. Dispute Resolution / 争议解决
Any disputes arising from the use of this Service shall first be attempted to be resolved through good-faith communication between the parties. If informal resolution fails, disputes shall be resolved through arbitration in accordance with applicable rules and regulations. The prevailing party in any dispute shall be entitled to recover its reasonable attorney fees and costs.
因使用本服务引起的任何争议，双方应首先通过善意沟通尝试解决。若非正式协商失败，争议应根据适用的规则和法规通过仲裁解决。在任何争议中胜诉的一方有权收回其合理的律师费和诉讼费用。
17. Entire Agreement / 完整协议
These Terms constitute the entire agreement between you and Mortgage Calculator regarding the use of the Service. If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. The failure of us to enforce any right or provision in these Terms shall not be considered a waiver of such right or provision.
本条款构成您与房贷计算器之间关于使用本服务的完整协议。如果本条款中的任何条款被认定为不可执行或无效，其余条款仍然完全有效。我们未执行本条款中的任何权利或条款不应被视为对该权利或条款的放弃。