Terms of Service

Last updated: August 11, 2026

FocusOnBills.com (the “Site”) is operated by LAN Connections Information Services, Inc. (“we,” “us,” or “our”). These Terms of Service govern your access to and use of the Site, including our calculators, articles, and any other content or features we offer.

Summary: By using this site, you’re agreeing to these terms. Our calculators and articles are free, general-purpose tools provided for education and planning — not personalized financial, legal, or tax advice. Always confirm important numbers with a qualified professional before acting on them.

Table of Contents

  1. Agreement to These Terms
  2. Not Financial Advice
  3. How You May Use the Site
  4. Site Content & Ownership
  5. No Guarantee of Accuracy
  6. Links to Other Websites
  7. Disclaimer of Warranties
  8. Limits on Our Liability
  9. Your Responsibility to Us
  10. Applicable Law
  11. Updates to These Terms
  12. How to Reach Us

1. Agreement to These Terms

By visiting or using FocusOnBills.com, you agree to be bound by these Terms of Service and by our Privacy Policy, which is incorporated into these Terms by reference. If you don’t agree with any part of these Terms, please discontinue use of the Site.

These Terms apply to everyone who visits or uses the Site. We may refuse access to the Site to anyone, at any time, for any reason.

Nothing on FocusOnBills.com — including any mortgage, loan, or other calculator result, article, or piece of content — is financial, legal, tax, or investment advice, and none of it should be treated as a recommendation to take any specific action.

2. Not Financial Advice

Our calculators produce estimates only, based on the figures you enter and general formulas. They do not account for your complete financial picture, current lender-specific terms, local taxes, insurance costs, or other factors a licensed professional would consider. Before making any borrowing, refinancing, or other financial decision, you should consult a qualified mortgage professional, financial advisor, accountant, or attorney.

We are not a lender, broker, or financial institution, and using our calculators does not create any advisory relationship between you and FocusOnBills.com.

3. How You May Use the Site

We grant you a limited, personal, non-commercial license to access and use the Site. This is a license, not a transfer of ownership, and it does not permit you to:

  • Copy or reproduce Site materials beyond normal browser caching
  • Use Site materials for commercial purposes or public redistribution without our written permission
  • Reverse-engineer, decompile, or attempt to extract the underlying code of any calculator
  • Remove copyright, trademark, or other proprietary notices from any content
  • Mirror, republish, or “frame” our calculators or articles on another website
  • Use bots, scrapers, or automated tools to systematically copy calculator content, formulas, or interfaces

You may, without needing separate permission, use our calculators for your own planning and education, share your results with others, and link to specific pages on our Site from elsewhere on the web.

This license ends automatically if you violate any of the restrictions above.

4. Site Content & Ownership

Everything on FocusOnBills.com — calculator code, article text, images, graphics, and overall site design — belongs to LAN Connections Information Services, Inc. or its licensors and is protected under applicable copyright and trademark law.

The FocusOnBills name, logo, and related branding are our trademarks and may not be used without written permission.

The general mortgage and financial formulas behind our calculators are based on standard, publicly available methods. Our specific implementation, interface, and written content, however, are our own and are not to be copied.

5. No Guarantee of Accuracy

We aim for our calculators and articles to be accurate and useful, but we make no warranty — express or implied — that any content on the Site is complete, current, or error-free.

Interest rates, loan terms, tax figures, and other real-world inputs change frequently and vary by lender and location. We may update our tools and articles at any time, without notice, and are under no obligation to keep every page current.

Always verify any figure that matters to a real financial decision against current information from your lender, a licensed professional, or an official government source.

The Site may link to third-party websites for your convenience, including sites we do not own or operate. We don’t control those sites and aren’t responsible for their content, accuracy, or privacy practices. A link from our Site doesn’t mean we endorse the destination.

Visiting a linked site is at your own risk — we’d encourage checking its own terms and privacy policy before using it.

7. Disclaimer of Warranties

The Site is provided “as is” and “as available,” without warranties of any kind, whether express or implied — including, without limitation, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We don’t guarantee the Site will be uninterrupted, secure, or free of errors or harmful components.

8. Limits on Our Liability

To the fullest extent permitted by law, LAN Connections Information Services, Inc. and its owners, employees, and affiliates won’t be liable for any indirect, incidental, special, or consequential damages — including lost profits, lost data, or any decision made based on a calculator result — arising from your use of, or inability to use, the Site.

Because FocusOnBills.com is a free service, our total liability to you for any claim relating to the Site is limited to $0.

9. Your Responsibility to Us

You agree to defend, indemnify, and hold harmless LAN Connections Information Services, Inc. and its owners, employees, and agents from any claim, liability, damage, or expense (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of another party’s rights.

10. Applicable Law

These Terms are governed by the laws of the United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site is subject to the jurisdiction of the appropriate United States courts.

Before filing any formal legal claim, you agree to first contact us and give us a reasonable opportunity — at least 30 days — to resolve the issue informally.

11. Updates to These Terms

We may revise these Terms from time to time. The version posted at this URL is always the current one. If you continue using the Site after a revision is posted, you’re accepting the updated Terms. Material changes will be reflected in the “Last updated” date at the top of this page.

12. How to Reach Us

Questions about these Terms can be sent to info@focusonbills.com or through our Contact page.