Terms and conditions

What the site provides

The site provides free calculators and educational articles about loans. It is provided for general information only. We are not a lender, broker, or financial, legal or tax adviser, and nothing on the site is an offer of credit, a credit decision, or personalized advice.

Accuracy of results

The calculators produce estimates based on the information you enter and on the assumptions described on each page, such as a fixed interest rate and equal monthly payments. Actual loan terms, payments and costs are set by your lender and can differ because of rounding, fees, interest accrual methods, taxes, insurance and other factors. Always rely on your lender’s official disclosures. We try to keep the site accurate and up to date but do not guarantee that it is complete, correct or current. See our disclaimer.

Acceptable use

You agree not to:

• use the site for anything unlawful or to mislead others about loan terms;
• try to disrupt, overload or gain unauthorized access to the site or its hosting;
• scrape or copy the site in bulk, or reproduce it in a way that suggests it is your own work.

Intellectual property

The site’s text, design and code are owned by the site operator or its licensors. You may use the calculators and share links to the site freely, and you may quote short excerpts with a link back. Any other reproduction requires permission.

Links to other websites

We link to external sources, such as government websites, for further reading. We don’t control those sites and aren’t responsible for their content or practices.

Availability and changes

We may change, suspend or discontinue any part of the site at any time without notice. We may also update these terms. The date at the top shows the latest version, and continuing to use the site means you accept the updated terms.

Disclaimer of warranties and limitation of liability

The site is provided “as is” and “as available”, without warranties of any kind, express or implied, to the fullest extent permitted by law. To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of the site or your reliance on its results, including financial decisions made using the calculators. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

Governing law

These terms are governed by the laws applicable where the site operator is based, without regard to conflict-of-law rules. Nothing in these terms limits any rights you have under consumer protection laws that cannot be waived.

Contact

Questions about these terms can be sent through our contact page.