Terms of Use
1. Acceptance of Terms
By accessing or using LoanCalc365 ("the website," "the service") at loancalc365.com, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our service. We reserve the right to update these terms at any time, and your continued use of the service constitutes acceptance of any changes.
2. Description of Service
LoanCalc365 provides free online financial calculators including loan calculators, mortgage calculators, salary calculators, VAT calculators, and rental yield calculators. The service is provided free of charge and is supported by advertising through Google AdSense.
3. No Financial Advice Disclaimer
The calculations, results, and information provided by LoanCalc365 are for informational and educational purposes only. Nothing on this website constitutes:
- Financial advice or financial planning services
- Tax advice or tax preparation services
- Legal advice or legal services
- Investment advice or investment recommendations
- Accounting or auditing services
LoanCalc365 is not a licensed financial advisor, tax professional, attorney, or investment advisor. Before making any financial decisions, you should consult with qualified professionals who are familiar with your individual circumstances.
4. Accuracy of Calculations
We strive to provide accurate calculations based on standard financial formulas. However:
- Results are estimates only and may differ from actual amounts
- Calculations use simplified assumptions and may not account for all variables
- Tax calculations are based on approximate rates and may not reflect current legislation
- Mortgage and loan results do not include all fees, insurance, or other charges
- Rental yield results depend on actual expenses and market conditions
LoanCalc365 makes no warranties, express or implied, regarding the accuracy, completeness, or suitability of any calculation for any specific purpose.
5. Limitation of Liability
To the maximum extent permitted by applicable law, LoanCalc365 and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
- Your use of or reliance on any calculation or information on this website
- Any financial decisions made based on calculator results
- Errors, inaccuracies, or omissions in calculator results
- Interruption or unavailability of the service
6. Acceptable Use
You agree to use LoanCalc365 only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the service for any illegal or fraudulent purpose
- Attempt to scrape, copy, or reproduce the service in bulk
- Attempt to interfere with the proper working of the website
- Use automated tools to access the service excessively
7. Intellectual Property
The LoanCalc365 name, logo, website design, and original content are the property of LoanCalc365. The financial formulas used are standard mathematical formulas in the public domain. You may not reproduce, distribute, or create derivative works from our original content without permission.
8. Third-Party Advertising
LoanCalc365 displays advertisements through Google AdSense. These advertisements are provided by third parties and are subject to their own terms and privacy policies. LoanCalc365 is not responsible for the content of third-party advertisements or any products or services advertised.
9. Links to Third-Party Websites
LoanCalc365 may contain links to third-party websites for reference purposes. These links are provided for convenience only. LoanCalc365 has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.
10. Governing Law
These Terms of Use shall be governed by and construed in accordance with applicable law. Any disputes relating to these terms will be subject to the exclusive jurisdiction of the courts in the jurisdiction where LoanCalc365 is operated.
11. Changes to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of LoanCalc365 after any changes constitutes your acceptance of the new Terms.
12. Contact
For questions about these Terms of Use, contact us at: legal@loancalc365.com