Service description
Adjuststack is a free, web-based LLPA (Loan-Level Price Adjustment) calculator. It accepts loan characteristics from a visitor and returns a line-item breakdown of the price adjustments that apply, based on the published Fannie Mae LLPA matrix. The service is provided as-is, for informational purposes only.
Billing and payments
Free plan. The Adjuststack LLPA calculator is free of charge. No payment or account is required to use it. There is no billing arrangement for the Free plan.
Pro plan (intended). A Pro subscription, when available, is priced at $9 per month. Billing is monthly, charged at the start of each billing period. The subscription renews automatically on the monthly anniversary unless cancelled.
Cancellation. Users may cancel their Pro subscription at any time. Access continues through the end of the current paid billing period. No further charges are incurred after cancellation.
Failed payment. If a payment fails (e.g. card declined, expired, or insufficient funds), the payment processor will automatically retry the charge on a schedule determined by the processor. Access will continue during the retry period. If payment is not collected within 14 days of the failed attempt, the subscription will be suspended until payment succeeds.
Refund policy. Payments for the Pro plan are non-refundable except in the case of a material defect in the service that the operator cannot remedy. Partial-month refunds are not provided.
Not a financial product
The output of this calculator is not a rate quote, pre-approval, loan lock, commitment, or offer of credit. It is an arithmetic display based on published GSE grids. Users should verify all calculations against the current published matrix before making any financial decisions. No lender, broker, or financial institution is affiliated with this service.
No accounts
This service does not require an account, login, or registration. No personal data is collected, stored, or transmitted beyond what is necessary to perform a single calculation. There are no saved scenarios, no history, and no user profiles.
No email or communications
This service has no email sender, no notification system, and no way to contact users outside this website. It does not send newsletters, alerts, or marketing communications.
Intellectual property
The grid data used in this calculator is based on publicly published documents from Fannie Mae (the LLPA matrix). The software implementation, visual design, and brand identity are the property of the operator. Users may not reproduce, modify, or redistribute the calculator for commercial purposes without permission.
Disclaimer of warranties
This service is provided "as is" without any warranty, express or implied. The operator does not guarantee the accuracy, completeness, or timeliness of the grid data. Grids change periodically; the effective date of the loaded grid is displayed on every page of the calculator. Reliance on the output of this calculator is at the user's own risk.
Limitation of liability
The operator shall not be liable for any damages arising from the use or inability to use this service, including but not limited to financial losses resulting from reliance on stale or incorrect grid data.
Acceptable use
You agree not to:
- Use this service for any unlawful purpose;
- Attempt to overload, abuse, or disrupt the API;
- Misrepresent the output of this calculator as a rate quote or offer of credit;
- Scrape or extract the grid data for commercial redistribution.
Governing law and jurisdiction
To be determined. The operator will specify the governing law and jurisdiction once a legal entity is registered. Until then, these terms are governed by the laws applicable to the operator's place of operation.
Contact
A contact method will be established once the operator registers a legal entity and establishes a means of communication. There is no email address, mailing address, or phone number for this service at this time.
Changes to these terms
The operator reserves the right to modify these terms at any time. Changes will be reflected by updating the "Last updated" date at the top of this page. Continued use of the service after a change constitutes acceptance of the updated terms.