Terms of Service

These Terms of Service ("Terms") govern your use of the website loancalculatoronline.org and the loan calculator tools and content we provide (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Acceptance of Terms

By accessing and using Loan Calculator Free Online, you accept and agree to be bound by these Terms and our Privacy Policy. We may update these Terms from time to time; the "Last updated" date at the top of this page will change when we do. Continued use of the Service after changes constitutes acceptance of the updated Terms.

2. Use License

We grant you a limited, non-exclusive, non-transferable license to access and use our loan calculator tools for personal, non-commercial use. You may use the calculators for estimating loan payments, amortization, and related scenarios. You may not:

• Copy, scrape, or systematically extract our content or code for commercial use without permission
• Use the Service in any way that could harm, overload, or impair our systems
• Impersonate us or imply endorsement by us without our written consent
• Use the Service for any illegal or unauthorized purpose

This is a license to use the Service as provided, not a transfer of ownership of any content or technology.

3. Not Financial or Legal Advice

The loan calculators and any text on the Service are for informational and educational purposes only. They are estimates and illustrations, not financial, tax, or legal advice. Results depend on the accuracy of the inputs and on assumptions we describe (or that are inherent in the formulas). Actual loan terms, rates, and outcomes depend on lenders, your credit, and applicable law. You should consult qualified professionals for advice tailored to your situation.

4. Disclaimer of Warranties

The Service and all calculators and content are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that results will be accurate or complete. You use the Service at your own risk.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Loan Calculator Free Online and its operators, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or business opportunity, arising out of or related to your use or inability to use the Service. Our total liability for any claims arising from these Terms or the Service shall not exceed the amount you paid to us in the twelve (12) months preceding the claim (or, if you paid nothing, zero). Some jurisdictions do not allow certain limitations; in such cases, our liability will be limited to the greatest extent permitted by law.

6. Accuracy of Materials

We strive to keep our calculators and content accurate and current, but we do not warrant that any materials are error-free, complete, or up to date. There may be technical, typographical, or formula errors. We may change formulas, assumptions, or content at any time without notice. We encourage you to verify important figures with lenders or advisors.

7. Third-Party Links and Services

The Service may contain links to third-party websites or services. We do not control and are not responsible for their content, privacy practices, or terms. Your use of third-party sites is at your own risk and subject to their policies.

8. Modifications to the Service and Terms

We may modify, suspend, or discontinue the Service (or any part of it) at any time without liability. We may also revise these Terms; the updated version will be effective when posted (or as otherwise stated). Your continued use after changes constitutes acceptance of the revised Terms.

9. Governing Law and Disputes

These Terms are governed by the laws of the jurisdiction in which we operate, without regard to conflict of law principles. Any dispute arising from these Terms or the Service shall be resolved in the courts of that jurisdiction, to the extent permitted by law.

10. Contact

For questions about these Terms of Service, please use our Contact page. We will respond to genuine inquiries as we are able.