Prepayment Calculator Terms of Service
Last Updated: January 2025
Acceptance of Terms
Welcome to Prepayment Calculator (prepaymentcalc.online). By accessing and using our services, you agree to these Terms of Service. If you disagree with any part of these terms, please do not use our services.
Service Description
Prepayment Calculator provides online tools to help users calculate mortgage prepayment scenarios, analyze potential savings, and make informed financial decisions. Our calculations are for informational purposes only and should not be considered as financial advice.
Usage Rules
You agree to:
- Use this service for lawful purposes only
- Not abuse or interfere with normal service operation
- Provide accurate loan information for calculations
- Understand that results are estimates and for reference only
- Not use automated tools to access our service excessively
Disclaimer
- Service is provided "as is" without any express or implied warranties
- We are not liable for any direct or indirect losses resulting from using our service
- Calculation results depend on various factors and market conditions
- We do not provide financial, legal, or tax advice
- Users should consult with qualified professionals before making financial decisions
Accuracy of Information
- We strive to provide accurate calculations based on standard formulas
- Results are estimates and actual outcomes may vary
- Interest rates, fees, and market conditions can affect actual results
- Users are responsible for verifying information with their lenders
Service Changes
We reserve the right to:
- Modify or terminate any part of the service at any time
- Update these terms of service
- Adjust calculation algorithms and features
- Change the user interface and functionality
- Suspend service for maintenance or updates
User Responsibilities
Users need to:
- Provide accurate loan and financial information
- Use results as estimates only
- Consult with financial professionals for advice
- Verify calculations with official lenders
- Understand the risks associated with prepayment decisions
Intellectual Property
- All service content, algorithms, and functionality are protected by copyright law
- Users may not copy, distribute, or reverse engineer our service
- Calculator designs and interfaces are our intellectual property
- Trademarks and logos are owned by their respective owners
Privacy and Data
- Your calculation data is processed locally in your browser
- We do not store your personal financial information
- Please refer to our Privacy Policy for detailed information
- We may collect anonymous usage statistics for service improvement
Limitation of Liability
- Our liability is limited to the maximum extent permitted by law
- We are not responsible for financial decisions made based on our calculations
- Users assume all risks associated with prepayment decisions
- We do not guarantee the accuracy of third-party information
Service Termination
We may terminate or suspend service in cases of:
- Terms of service violations
- Service abuse or misuse
- System maintenance or updates
- Legal requirements or force majeure factors
Governing Law
These Terms of Service are governed by applicable laws. Any disputes will be resolved through appropriate legal channels.
Changes to Terms
We may update these terms from time to time. Continued use of our service after changes constitutes acceptance of the updated terms.
Contact Information
For any questions about these terms, please contact:
- Email: support@prepaymentcalc.online
- Website: prepaymentcalc.online
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.