Terms of Use

1. Acceptance of terms

By accessing or using LoanCalc at YOUR-DOMAIN.com, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, please do not use the Site.

We may update these terms from time to time. Continued use of the Site after changes are posted means you accept the revised terms. The "Last updated" date at the top of this page reflects the most recent revision.

2. Use of calculators

LoanCalc provides free online calculators for personal loan payment estimation, debt consolidation analysis, student loan refinance comparison, HELOC calculations, loan comparisons, and related personal finance topics.

Results are estimates only. The calculations produced by this Site are based on the inputs you provide and standard financial formulas (such as PMT, amortization schedules, and APR calculations). They are approximations intended to help you understand the general shape of a financial decision. They are not guarantees, quotes, or commitments from any lender.

Actual loan terms, rates, fees, and payments will vary based on your credit profile, the lender's criteria, current market conditions, and other factors. You must verify all figures directly with your lender before making any financial commitment.

You agree to use the Site only for lawful purposes and not to:

• Attempt to reverse-engineer, scrape, or copy the Site's code or content at scale
• Use automated tools to send large volumes of requests to the Site
• Misrepresent the Site's outputs as professional financial advice
• Use the Site in any way that could damage, disable, or impair its availability

3. No warranties

LoanCalc is provided "as is" and "as available" without any warranties of any kind, express or implied. We make no representations that:

• The calculator results are accurate, complete, or up to date
• The Site will be available without interruption or error
• Any particular calculation method is appropriate for your specific situation
• The reference data (such as average APR ranges by credit score) reflects current market conditions

Interest rate reference data on the Site is updated periodically and may not reflect the most current market rates. Always obtain a current rate quote from your lender directly.

To the fullest extent permitted by applicable law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

4. Limitation of liability

To the maximum extent permitted by law, LoanCalc and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its calculators.

This includes, but is not limited to, any financial decisions made based on calculator results, any inaccuracies in the calculations, or any reliance on reference data displayed on the Site.

Your use of LoanCalc is entirely at your own risk. Always consult a qualified financial professional before making significant borrowing or debt management decisions.

5. Affiliate disclosure

LoanCalc participates in affiliate marketing programs. Some calculator results pages display links to 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, LoanCalc may receive a commission from the lender or financial institution at no additional cost to you.

Affiliate relationships do not influence our calculator results, formulas, or the reference data displayed on the Site. We do not accept payment from lenders to rank them higher or display their rates more favourably. Our calculators are designed to be lender-neutral.

We only link to regulated financial institutions and established lenders. However, we are not responsible for the content, terms, or practices of any external websites or lenders you reach through affiliate links.

6. Intellectual property

All content on LoanCalc — including the calculator code, design, copy, reference data, and the LoanCalc name and logo — is the property of LoanCalc and its operators, protected by applicable copyright and intellectual property laws.

You may share individual calculator results (via the share and embed features provided on the Site) for personal, non-commercial purposes. You may not reproduce, republish, or redistribute substantial portions of the Site's content without written permission.

The embed feature is provided to allow you to embed individual calculators on your own website. Embedded calculators must display the "Powered by LoanCalc" attribution link and must not be modified to remove this attribution.

7. Third-party links and services

The Site contains links to third-party websites, including lender websites and financial services platforms. These links are provided for convenience only. LoanCalc has no control over and accepts no responsibility for the content, privacy practices, or terms of any third-party site. Visiting any linked site is at your own risk.

The Site uses Google Analytics and Google AdSense. Your use of these services within the Site is subject to Google's terms of service and privacy policy.

8. Governing law

These Terms of Use are governed by and construed in accordance with applicable law. Any disputes arising from use of the Site shall be resolved through good-faith negotiation where possible. We make no representation that the Site is appropriate or available for use in all jurisdictions.

9. Changes to these terms

We reserve the right to modify these Terms of Use at any time. Changes take effect immediately upon posting to the Site. The "Last updated" date at the top of this page will reflect the most recent revision. It is your responsibility to review these terms periodically. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

10. Contact

Questions about these Terms of Use? Reach us at:

Email: hello@YOUR-DOMAIN.com

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