Terms of Service

Effective date: January 1, 2026

1. Scope

These Terms of Service govern the use of the LoanCalc web application at loancalc.com. By using the application, you agree to these terms.

2. Description of Service

LoanCalc is a free, purely client-side loan calculator that provides the following features:

• Calculation of loan payments and amortization schedules
• Visualization of repayment progress
• Comparison of different loan scenarios
• Export of calculations as CSV files
• Country-specific information (US, Germany, United Kingdom)

3. Not Financial Advice

Important Notice: LoanCalc does not constitute financial, tax, or legal advice. The calculations are provided for general information and orientation purposes only. Results are estimates based on the values you enter.

You should always consult a qualified financial advisor, tax professional, or attorney before making financial decisions.

4. Disclaimer of Warranties

4.1 No Warranty

The application and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

4.2 Accuracy

We do not guarantee the accuracy, completeness, or timeliness of the information and calculations provided. We are not responsible for any errors or omissions in the content.

4.3 Rate Information

The interest rates shown are approximate reference values and do not constitute binding offers. For current rates, please consult your bank or financial advisor.

5. Limitation of Liability

To the fullest extent permitted by applicable law, LoanCalc shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the application.

6. Intellectual Property

All content, design, and code of the LoanCalc application are the property of LoanCalc and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. User Conduct

You agree not to:

• Use the application for any unlawful purpose
• Attempt to gain unauthorized access to any part of the application
• Use automated systems to access the application in a manner that could damage or impair it
• Reverse-engineer, decompile, or disassemble any part of the application

8. Changes

We reserve the right to modify these Terms of Service at any time. The current version is always available on this page. Your continued use of the application after any changes constitutes acceptance of the revised terms.

9. Governing Law

These terms shall be governed by and construed in accordance with applicable United States law. Any disputes shall be resolved in the appropriate courts.

10. Contact

For questions about these Terms of Service, please contact:

info@calculate-your-loan.com