Legal Notice

1. Website Owner Information

In compliance with Spanish Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE), the owner of this website is identified below:

2. Purpose of the Website

MortgageCompass is an independent informational website that publishes educational content about mortgages, home loans and real estate investing in the United States, the United Kingdom, Canada and Australia, together with free calculators and tools.

MortgageCompass is not a lender, mortgage broker, bank or financial adviser. We do not offer, arrange or sell financial products, and we do not collect loan applications.

3. Terms of Use

By accessing and using this Website, you agree to this Legal Notice. If you do not agree, please do not use the Website.

You agree to use the Website lawfully and not to:

  • Use the Website for any unlawful or fraudulent purpose.
  • Damage, disable or overload the Website or interfere with its security.
  • Copy, reproduce or distribute its content without permission, except as permitted by law.
  • Introduce viruses or any other harmful code.

4. No Financial Advice

All content on this Website, including articles, examples, calculators and tools, is provided for general information and educational purposes only. It does not constitute financial, investment, tax or legal advice, and it does not take into account your personal objectives, financial situation or needs.

Interest rates, loan limits, fees, taxes and regulations change frequently and vary by country, region and lender. Although we make reasonable efforts to keep our content accurate and up to date, we cannot guarantee that all information is complete, current or error free. Calculator results are estimates only.

Before making any financial decision, you should confirm the information with a licensed lender, mortgage broker or qualified financial professional in your country.

5. Limitation of Liability

To the extent permitted by law, the Website owner is not responsible for:

  • Decisions made or actions taken based on the information published on the Website.
  • Errors, omissions or outdated information in the content.
  • Temporary interruptions, technical errors or the unavailability of the Website.
  • Damage caused by viruses or other harmful elements, despite reasonable security measures.

6. Intellectual Property

All content on this Website, including text, graphics, images, logos, calculators, design and source code, is owned by the Website owner or used with permission, and is protected by intellectual and industrial property laws.

You may view, print or share links to our content for personal, non commercial use. Reproduction, distribution or modification of our content, in whole or in part, for commercial purposes requires prior written permission.

Brand names and trademarks of third parties, such as lenders or government agencies, mentioned on the Website belong to their respective owners and are used for identification purposes only.

7. External Links

The Website contains links to third party websites, such as government agencies, lenders and data sources. These links are provided for your convenience. We have no control over the content of those websites and are not responsible for their content, availability or privacy practices.

8. Advertising

The Website displays advertising provided by third parties, including Google AdSense. Advertisers are responsible for the content of their ads. The presence of an advertisement does not mean that we endorse the product or service advertised, and advertisers do not influence our editorial content.

9. Data Protection and Cookies

Personal data is processed in accordance with Regulation (EU) 2016/679 (GDPR) and Spanish Organic Law 3/2018 (LOPDGDD). For more information, please read our Privacy Policy and Cookie Policy.

10. Changes to This Legal Notice

We may update this Legal Notice at any time to reflect changes in the law or in how the Website operates. The updated version will be published on this page with a new date.

11. Applicable Law and Jurisdiction

This Legal Notice is governed by Spanish law. Any disputes will be subject to the courts of Barcelona, Spain, without prejudice to any mandatory rights that consumers may have under the laws of their country of residence.

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