Agreement to Terms
By accessing or using World Loan Calculator ("the Service"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Service.
Your Acceptance
By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Important: These terms contain important information about your legal rights, remedies, and obligations. Please read them carefully.
These Terms of Service apply to all visitors, users, and others who access or use the Service. Additional terms may apply to specific features or services.
Definitions
For the purposes of these Terms of Service:
Our Services
Description of Service
World Loan Calculator provides free online financial calculation tools that allow users to estimate loan payments, interest costs, and amortization schedules. Our Service supports multiple currencies and provides educational financial information.
Service Nature: World Loan Calculator is an educational and informational tool. We are not a financial institution, lender, or financial advisor.
No Financial Advice
The information provided by our Service is for educational and informational purposes only. We do not provide financial advice, and our calculations should not be considered as recommendations or advice regarding financial decisions.
Service Availability
We strive to maintain the availability of our Service but do not guarantee uninterrupted access. We may temporarily suspend or restrict access to our Service for maintenance, updates, or other reasons without prior notice.
Changes to Service
We reserve the right to modify, suspend, or discontinue any part of our Service at any time without liability to you.
User Responsibilities
Acceptable Use
You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to use our Service:
- In any way that violates any applicable law or regulation
- To engage in any fraudulent or deceptive activities
- To transmit any malicious code or viruses
- To attempt to gain unauthorized access to our systems
- To interfere with or disrupt the integrity or performance of our Service
- To harass, abuse, or harm another person
Accuracy of Information
You are responsible for ensuring the accuracy of any information you input into our calculator. We are not responsible for decisions made based on inaccurate or incomplete information.
Age Requirements
Our Service is intended for users who are at least 16 years old. If you are under 16, you may not use our Service without parental consent.
Financial Responsibility: You are solely responsible for verifying calculation results with qualified financial professionals before making any financial decisions.
Intellectual Property
Ownership
The Service and its original content, features, and functionality are owned by World Loan Calculator and are protected by international copyright, trademark, and other intellectual property laws.
License to Use
We grant you a limited, non-exclusive, non-transferable, revocable license to use our Service for personal, non-commercial purposes in accordance with these Terms.
Restrictions
You may not:
- Copy, modify, or create derivative works of the Service
- Reverse engineer, decompile, or attempt to extract source code
- Use the Service for any commercial purpose without our express written consent
- Remove any copyright or proprietary notices
- Use our trademarks without permission
User Content
If you submit any content to us (such as feedback or suggestions), you grant us a worldwide, perpetual, royalty-free license to use, modify, and incorporate that content into our Service.
Disclaimer
Important Disclaimer: World Loan Calculator provides educational estimates only. We are not a financial advisor, lender, or credit counselor.
No Warranty
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Accuracy of Calculations
While we strive to provide accurate calculations, we do not warrant that the results will be error-free or suitable for your specific financial situation. Actual loan terms, interest rates, and payments may vary based on lender policies, creditworthiness, and other factors.
Financial Decisions
You acknowledge that any financial decisions you make based on information from our Service are made at your own risk. We recommend consulting with qualified financial professionals before making significant financial decisions.
Third-Party Services
Our Service may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these third-party sites. Your use of third-party services is at your own risk.
Limitation of Liability
Limitation of Liability: To the maximum extent permitted by law, in no event shall World Loan Calculator, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
Direct Damages
To the fullest extent permitted by applicable law, our total cumulative liability to you for all claims arising from or related to the Service shall not exceed the amount you have paid us for the Service in the past twelve months, or one hundred dollars ($100), whichever is greater.
Basis of the Bargain
You acknowledge and agree that we have offered our Service and set our prices in reliance upon the warranty disclaimers and limitations of liability set forth herein, that the warranty disclaimers and limitations of liability reflect a reasonable and fair allocation of risk between you and us, and that the warranty disclaimers and limitations of liability form an essential basis of the bargain between you and us.
Jurisdictional Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.
Indemnification
You agree to defend, indemnify, and hold harmless World Loan Calculator, its affiliates, and their respective directors, officers, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the Service.
Scope of Indemnification
This indemnification obligation includes, but is not limited to:
- Your use of the Service in violation of these Terms
- Your violation of any applicable laws or regulations
- Your infringement of any third-party rights
- Any content you submit to the Service
Termination
Termination by You
You may stop using our Service at any time. There is no need to formally terminate your account as we do not require user accounts for basic calculator functionality.
Termination by Us
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Effect of Termination
Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
Governing Law
Applicable Law
These Terms shall be governed and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions.
Dispute Resolution
Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in New York, New York, in accordance with the rules of the American Arbitration Association.
Class Action Waiver
You agree that any arbitration or proceeding shall be limited to the dispute between us individually. You may not join or consolidate claims or arbitrate any claim as a representative or class action.
International Use
We make no representation that our Service is appropriate or available for use in locations outside the United States. If you access our Service from other locations, you are responsible for compliance with local laws.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.
Notification of Changes: We will notify users of material changes to these Terms by posting a notice on our website. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the Service.
Contact Information
If you have any questions about these Terms of Service, please contact us:
Terms of Service Questions
Email: legal@worldloancalculator.com
Mail: Legal Department, World Loan Calculator
123 Financial District, Suite 500
New York, NY 10001, USA
We typically respond to legal inquiries within 5-7 business days.