Terms and Conditions
Last updated: August 30, 2026
These Terms and Conditions (“Terms”) are a binding legal agreement between you (“User,” “you”) and LoanCalculator (“Company,” “we,” “us,” or “our”), the operator of https://loancalculator.ing/ (the “Website”). These Terms are a legal agreement between you and us that govern your use of the Website and the Services (as defined below). You may not access or use the Services if you do not agree.
1. Description of Services
The website offers free general purpose financial calculators including loan, interest and payment calculators to allow users to do illustrative financial calculations for personal, educational and informational use.
The Company does not offer financial products for sale and does not serve as a lender, broker or any form of financial intermediary.
2. Eligibility
You may only use the Services if you are at least 18 years old and legally competent to enter into a binding contract under applicable legislation. The Services are not intended for or to be used by anyone under the age of 18. We may suspend or terminate a user’s access if we become aware that the user is under age 18.
It is your responsibility to examine these Terms periodically. If you continue to use the Services after any changes have been made you are accepting the updated Terms.
3. No Professional Advice
All content, calculators and outputs supplied through the Services are for general informational and educational purposes only. Nothing on the website is (or should be relied on as) financial, legal, tax, accounting or other professional advice.
Calculator outcomes are dependent on the variables you enter and the assumptions used in each tool. Actual loan terms, interest rates, fees, and payment requirements from any lender or financial institution may vary significantly. Please verify all statistics independently and contact a trained professional before acting upon any financial decision.
4. User Responsibilities
Your use of the Services constitutes your agreement that you:
- Be sure to input correct information when you use the calculators because the output is only as good as the input;
- Use the Services exclusively for legitimate reasons and in accordance with these Terms; Not attempt to interfere with, disrupt, reverse-engineer, or obtain unauthorized access to the Website or its underlying systems.
- You may not use any automatic means (bots, scrapers or similar programmes) to extract data from the Website without our prior written approval.
5. Intellectual Property
All content on the Website including but not limited to text, calculators, source code, images, logos and design is owned by the Company or its licensors and is protected by applicable copyright, trademark and other intellectual property laws unless otherwise noted.
Provided that you comply with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use. You may not duplicate, distribute, modify, create derivative works of, publicly display or commercially exploit any portion of the Services without our prior written permission.
6. Copyright Complaints
If you believe that your work has been copied in a way that constitutes copyright infringement, please provide us with a written statement that includes the following information: (a) a description of the copyrighted work that you claim has been infringed; (b) a description of where the infringing material is located on the Website; (c) your contact information; and (d) a statement by you that you have a good faith belief that the disputed use is not authorised by the copyright owner, its agent, or the law. We shall consider and respond to such notices in accordance with the legislation.
7. Third-Party Advertising
The Website may include advertisements from third party suppliers including, but not limited to, Google AdSense. These providers may use cookies and similar technology to show advertising based on your visits to this and other websites.
Where relevant law (e.g., the GDPR and the CCPA) requires, we will offer or obtain the appropriate consent or notice processes for the use of such cookies. You can adjust and/or disable cookies using your browser options and, where applicable, using Google’s Ads options. We do not control the content of third-party adverts and assume no responsibility for the conduct of third-party advertisers or ad networks.
8. Third-Party Links
For your convenience, the Website may contain links to third-party websites. We do not promote or regulate and are not responsible for the content or privacy practices of any third-party website. You are responsible for your use of any such connected websites and should study the applicable terms and privacy policies.
9. Disclaimer of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” AND COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ACCURACY OF RESULTS.
We do not warrant that the Services will be uninterrupted, error-free, secure or that results provided by calculators will be accurate or appropriate for your particular circumstances. Some jurisdictions may not permit the exclusion of certain warranties, therefore some of the foregoing exclusions may not apply to you.
10. Limitation of Liability
To the fullest extent permitted by applicable law, in no event shall the Company or its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including, without limitation, loss of profits, data, or other economic loss, arising out of or in connection with your use of, or inability to use, the Services, even if advised of the possibility of such damages.
To the maximum extent permissible by relevant law, in no event shall the Company be liable to you for any damages arising from or in connection with these Terms or the Services in an amount exceeding one hundred United States dollars (US $100) or its equivalent in local currency.
No provision in these Terms is intended to exclude or restrict any responsibility that cannot be excluded or limited by applicable law, including liability for death or bodily damage caused by negligence or for fraud.
11. Indemnification
You undertake to indemnify and hold harmless the Company and its officers, directors, employees and agents from any and all claims, damages, losses, liabilities and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms or your abuse of the Services.
12. Service Availability
We do not warrant that the Services will be available at all times; The Services may be unavailable due to scheduled maintenance, technical problems or other reasons beyond our reasonable control. We will not be liable for any damage or inconvenience arising from such unavailability.
13. Privacy
Your use of the Services is also regulated by our Privacy Policy describing how we collect, utilise and safeguard your information. By using the Services, you consent to such practices as outlined in the Privacy Policy.
14. Suspension and Termination
We may suspend or cancel your access to the Services without notice if we reasonably believe you have violated these Terms, engaged in unlawful conduct or acted in a manner that could harm the Website, other users or third parties.
If you think your access was suspended or terminated by mistake, you can contact us at support@loancalculator.com to ask for a review.
15. Changes to These Terms
We may update these Terms from time to time to reflect changes in our Services, legal requirements or business practices. The new Terms will be put on this page, along with a corrected “Last updated” date. Where relevant, material changes will either be emphasised or communicated individually. Your continued use of the Services after the effective date of such modifications represents your acceptance of the updated Terms.
16. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States, without respect to its conflict of laws principles.
Any disagreement arising out of or pertaining to these Terms or the Services will be first sought to be addressed by contacting us at support@loancalculator.com. If a dispute is not settled informally within 30 days, the dispute shall be submitted to binding arbitration mediated by the American Arbitration Association (AAA) as applicable.
Note: This section includes a generic placeholder (U.S. law, AAA arbitration) as no particular state or arbitration entity was specified. Governing legislation and dispute resolution terms are quite jurisdiction-specific and state-dependent (many jurisdictions have their own consumer-arbitration standards). This section should be completed with the assistance of a licensed attorney in the applicable U.S. state.
17. Severability
If any term of these Terms is held to be unlawful or unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms and the remaining provisions shall remain in full force and effect.
18. Entire Agreement
These Terms, along with our Privacy Policy, represent the entire agreement between you and the Company governing your use of the Services and supersede all prior or contemporaneous communications, whether oral or written, between you and the Company.
19. Contact Us
If you have any enquiries concerning these Terms please email us at:
Email: support@loancalculator.com
Location: United States