Terms of Use

Acceptance of Terms

By accessing and using LoanCalc Pro ("the Service"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Service.

Description of Service

LoanCalc Pro is a free online loan calculator suite that provides tools for calculating loan payments, amortization schedules, interest costs, and related financial metrics. All calculations are performed locally in your web browser.

"As-Is" Disclaimer

Not Financial Advice

The Service provides calculation tools only. It does not provide:

• Financial advice or recommendations
• Legal advice
• Tax advice
• Investment advice
• Professional counseling of any kind

Always consult with qualified financial, legal, or tax professionals before making financial decisions.

Accuracy and Limitations

While we strive for accuracy, we cannot guarantee that:

• All calculations are error-free
• Results match those from other calculators or lenders
• The Service is suitable for all loan types or situations
• Calculations account for all factors relevant to your specific situation

Actual loan terms, rates, and payments offered by lenders may differ from calculated estimates.

User Responsibilities

You agree to:

• Use the Service at your own risk
• Verify all calculations independently
• Not rely solely on our calculations for financial decisions
• Understand that results are estimates, not guarantees
• Consult with professionals for personalized advice
• Use the Service in compliance with applicable laws

Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Service
• We are not responsible for financial losses resulting from calculation errors or misunderstandings
• We provide no warranties, express or implied, including warranties of merchantability or fitness for a particular purpose
• Your sole remedy for dissatisfaction with the Service is to stop using it

Third-Party Links

The Service may contain links to third-party websites and services. We are not responsible for:

• The content or practices of third-party sites
• The accuracy of third-party information
• Any transactions with third parties
• Privacy practices of external sites

Intellectual Property

The Service, including its design, code, and content, is provided for personal, non-commercial use. You may not:

• Copy, modify, or distribute the Service's code or design
• Use the Service for commercial purposes without permission
• Reverse engineer or attempt to extract source code
• Remove or alter any copyright notices

Service Availability

We make no guarantees about:

• Service uptime or availability
• Continued operation or maintenance
• Freedom from errors or bugs
• Compatibility with all devices or browsers

We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

Prohibited Uses

You may not:

• Use the Service for illegal purposes
• Attempt to harm or overload the Service
• Use automated tools to scrape or extract data
• Misrepresent calculations as official financial advice
• Violate any applicable laws or regulations

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Service after changes constitutes acceptance of the new terms.

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.