Disclaimer

1. No financial advice

CalcPersonal (the "Site") is operated by Nexus Technologies as an independent, informational web application. Nothing on this Site constitutes financial, investment, legal, or tax advice. All content, including calculator outputs, reference data, and editorial commentary, is provided for general informational and educational purposes only.

CalcPersonal is not a licensed financial adviser, broker, lender, or credit provider. We are not regulated by any financial services authority. Nothing on this Site should be interpreted as a recommendation to take out any loan, make any financial decision, or take any other action.

2. Calculator results are estimates only

All calculations produced by the Site are estimates based on the inputs you provide and standard financial formulas. Results are approximations intended to help you understand the general shape of a financial decision. They should not be treated as:

• A guarantee, quote, or commitment from any lender
• An exact representation of what you will pay or receive
• A substitute for a formal loan offer or lender disclosure statement
• Professional financial advice tailored to your circumstances

Actual loan terms, interest rates, fees, and monthly payments will vary depending on your credit profile, debt-to-income ratio, the lender's criteria, prevailing market conditions, and other factors not captured in this calculator. Always obtain a formal quote from your chosen lender before making any financial commitment.

3. Accuracy of information

We make every reasonable effort to ensure that the calculator formulas and reference data on the Site are accurate and current. However, we make no warranty, express or implied, that any information on the Site is correct, complete, or up to date at the time you access it.

Interest rate reference tables and credit score benchmarks are updated periodically (typically annually) based on publicly available data from sources including the CFPB Consumer Credit Panel and third-party rate survey providers. These figures represent typical ranges at the time of publication and may not reflect current market conditions. Always obtain a live rate quote directly from your lender.

4. Limitation of liability

To the maximum extent permitted by applicable law, Nexus Technologies and the operators of CalcPersonal shall not be liable for any loss or damage, including but not limited to:

• Direct, indirect, incidental, or consequential financial loss
• Losses arising from reliance on any calculator result or reference data
• Losses arising from decisions made using information on the Site
• Any inaccuracy or omission in the calculator formulas or reference tables

Your use of this Site is entirely at your own risk. You should always obtain independent financial advice before making significant borrowing or debt management decisions.

5. Affiliate and advertising disclosure

CalcPersonal may display sponsored links and affiliate links to third-party financial products and lenders. These links are clearly labelled as "Sponsored." If you click an affiliate link and subsequently apply for or purchase a financial product, CalcPersonal may receive a commission from the lender at no additional cost to you.

Affiliate and advertising relationships do not influence our calculator results, formulas, or the order in which information is presented. Our calculators are designed to be lender-neutral. Commission rates paid by lenders do not affect the results displayed.

6. Third-party links

The Site contains links to third-party websites, including lender websites and financial services platforms. CalcPersonal has no control over the content, accuracy, or practices of any linked website and accepts no responsibility for any loss or damage that may arise from your use of any third-party site. Visiting any linked website is entirely at your own risk.

7. Changes to this disclaimer

We reserve the right to update this disclaimer at any time. Changes take effect immediately upon posting. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised disclaimer.

8. Contact

If you have questions about this disclaimer, please contact us at:

Email: info@nexustechnologies.app

We aim to respond to all genuine enquiries within 5 business days.