Terms of Service

1. Agreement to Terms

By accessing and using Loan Calculator ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

2. Description of Service

Loan Calculator provides online financial calculation tools for estimating loan payments, interest rates, and related financial metrics. Our services include:

• Loan payment calculations
• Amortization schedules
• Interest rate calculations
• Financial educational resources

3. Disclaimer

The calculations and information provided by our tools are for informational purposes only and should not be considered as financial advice. We make no guarantees about:

• The accuracy of calculations
• The availability of the service
• The suitability of information for any purpose

Users should consult with qualified financial professionals before making any financial decisions.

4. User Responsibilities

When using our service, you agree to:

• Provide accurate information
• Use the service for lawful purposes only
• Not attempt to manipulate or damage the service
• Not use automated systems to access the service

5. Intellectual Property

All content, features, and functionality of our website, including but not limited to text, graphics, logos, and software code, are owned by Loan Calculator and are protected by intellectual property laws.

6. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content or practices of these third-party services. We may also display third-party advertisements through services like Google AdSense.

7. Privacy

Your use of our service is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

8. Modifications to Service

We reserve the right to:

• Modify or discontinue any part of our service
• Update these terms at any time
• Change our fees or pricing structure (if applicable)

9. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our service.

10. 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.

11. Contact Information

For any questions about these Terms of Service, please contact us through our contact page.