Terms of Service

1. Agreement to Terms

Welcome to Loan Calculator US. These Terms of Service ("Terms") govern your access to and use of our website, loan calculators, and related services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS SERVICE.

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms.

2. Description of Service

Loan Calculator US provides free online financial calculators designed to help users estimate loan payments, interest costs, and other financial metrics. Our calculators include, but are not limited to:

• Home loan and mortgage calculators
• Auto loan calculators
• Personal loan calculators
• Student loan calculators
• Business loan calculators
• Debt consolidation calculators
• Refinancing calculators
• Amortization schedules

3. Use License and Restrictions

3.1 License Grant

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Service for personal, non-commercial purposes, subject to these Terms.

3.2 Restrictions

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to any portion of the Service
• Use any automated system (bots, scrapers, etc.) to access the Service
• Copy, modify, distribute, sell, or lease any part of our Service
• Reverse engineer or attempt to extract source code from our calculators
• Remove any copyright or proprietary notices from the Service
• Use the Service to harm, threaten, or harass others
• Transmit viruses, malware, or any malicious code
• Interfere with or disrupt the Service or servers
• Collect or store personal data about other users
• Impersonate any person or entity
• Use the Service for commercial purposes without our written consent

4. No Financial Advice

5. Accuracy of Information

While we strive to provide accurate calculators and information, we make no warranties or representations about:

• The accuracy, reliability, or completeness of calculator results
• The suitability of any calculations for your specific situation
• The currency or timeliness of information provided
• The availability or functionality of the Service at all times

Calculator results are estimates only and should not be relied upon as precise calculations. Actual loan terms will depend on numerous factors including your credit score, income, debt-to-income ratio, lender policies, market conditions, and other variables.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY
• UNINTERRUPTED OR ERROR-FREE OPERATION

We do not warrant that the Service will be available at all times, error-free, or free from viruses or other harmful components. Your use of the Service is at your sole risk.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LOAN CALCULATOR US, ITS OWNERS, OPERATORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR USE
• BUSINESS INTERRUPTION
• FINANCIAL LOSSES RESULTING FROM RELIANCE ON CALCULATOR RESULTS
• ERRORS OR OMISSIONS IN CALCULATIONS OR CONTENT
• DAMAGES ARISING FROM USE OR INABILITY TO USE THE SERVICE

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.

8. Indemnification

You agree to indemnify, defend, and hold harmless Loan Calculator US, its owners, operators, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of any applicable laws or regulations
• Financial decisions made based on calculator results

9. Third-Party Links and Services

Our Service may contain links to third-party websites, advertisers, or services that are not owned or controlled by Loan Calculator US. We have no control over and assume no responsibility for:

• The content, privacy policies, or practices of third-party sites
• Any products or services offered by third parties
• The accuracy or reliability of third-party information

You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party content, goods, or services. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Intellectual Property Rights

The Service and its original content, features, functionality, and all related intellectual property are and will remain the exclusive property of Loan Calculator US. This includes:

• Website design, layout, and graphics
• Calculator algorithms and functionality
• Text, images, and multimedia content
• Logos, trademarks, and service marks
• Software code and databases

Our Service is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our express written permission.

11. User-Generated Content

If you submit any feedback, suggestions, or other communications to us regarding the Service ("User Content"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, and distribute such User Content for any purpose.

12. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

13. Termination

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms
• Violation of applicable laws
• Fraudulent or harmful behavior
• At our sole discretion

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any dispute arising from these Terms or your use of the Service shall be resolved through:

1. Informal Resolution: Contact us first to resolve the dispute informally
2. Binding Arbitration: If informal resolution fails, disputes shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association
3. Class Action Waiver: You agree that any arbitration or proceeding shall be conducted on an individual basis and not as a class action

14.3 Jurisdiction

For any disputes not subject to arbitration, you agree to submit to the personal jurisdiction of the federal and state courts located in the United States.

15. Changes to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice, and without liability to you. We may also impose limits on certain features or restrict access to parts or all of the Service without notice or liability.

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

17. Waiver

No waiver by us of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and Loan Calculator US regarding the use of the Service and supersede all prior agreements and understandings.

19. Contact Information

If you have any questions about these Terms, please contact us: