Terms of Service

1. Introduction

Welcome to LoanCalc ("we," "our," or "us"). These Terms of Service govern your use of our website and calculators available at toolgeniuspro.com.

By accessing or using our services, you agree to be bound by these Terms. If you disagree with any part, you may not access the service.

2. Calculator Disclaimer

All calculators on LoanCalc are provided for general informational purposes only. The results are estimates and may differ from actual loan terms offered by financial institutions.

We make no warranties about the accuracy, completeness, or usefulness of these calculations. You should consult with qualified financial advisors before making any loan decisions.

3. User Responsibilities

When using our services, you agree not to:

• Use our calculators for commercial purposes without permission
• Attempt to reverse engineer or hack our tools
• Misrepresent the results as financial advice
• Use our service in any way that could damage, disable, or impair it

4. Intellectual Property

All content, including calculators, text, graphics, and logos are the property of LoanCalc and protected by copyright laws.

You may use our calculators for personal, non-commercial purposes only. Any other use requires prior written permission.

5. Limitation of Liability

LoanCalc shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

• Errors or inaccuracies in calculations
• Personal or financial losses from decisions made based on our tools
• Any interruption or cessation of service
• Unauthorized access to or use of our servers

6. Changes to Terms

We reserve the right to modify these Terms at any time. The updated version will be posted on this page with a new "Last Updated" date. Your continued use constitutes acceptance of the revised Terms.

7. Governing Law

These Terms shall be governed by the laws of [Your Country/State] without regard to its conflict of law provisions.