Terms of Service

1. Acceptance of Terms

By accessing or using Interest Calculator (the "Service", "Website", or "Platform"), accessible via https://myinterestcalculator.com, you certify that you have read, understood, and agreed to be legally bound by these Terms of Service ("Terms") and our associated Privacy Policy. If you do not consent to all provisions set forth herein, you must immediately discontinue use of this Website.

2. Permitted Use & Limited License

We grant you a personal, non-exclusive, non-transferable, revocable license to access and utilize the computational tools, charts, and educational articles on Interest Calculator strictly for individual, non-commercial financial planning.

Prohibited Conduct: You agree that you shall not:

• Deploy automated scripts, bots, spiders, or scrapers to programmatically harvest calculation data or scrape content without prior written permission.
• Engage in denial-of-service (DDoS) attacks, flood our web infrastructure, or bypass rate limits.
• Frame, mirror, or repackage our computational algorithms or UI components inside third-party commercial applications without attribution and explicit authorization.
• Attempt to decompile, reverse engineer, or disassemble any underlying proprietary scripts or source logic.

3. Absolute Financial & Investment Advice Disclaimer

None of the information, calculation outputs, amortization tables, tax estimates, or compounding projections displayed on Interest Calculator constitutes financial advice, investment advice, lending advice, legal advice, or tax counseling.

Interest Calculator does not evaluate your individual creditworthiness, disposable income, or debt-to-income ratio. Before executing binding loan agreements, refinancing mortgages, investing in mutual funds/ETFs, or withdrawing retirement capital, you must consult with a certified financial planner (CFP), licensed mortgage professional, or chartered accountant.

4. Calculation Accuracy & Bank Statement Discrepancies

While our computational models are built according to standardized financial engineering formulas, actual banking figures may differ due to institutional nuances:

• Day-Count Conventions: Some commercial lenders calculate interest using the Actual/360 or Actual/365 convention, whereas our models utilize standard monthly compounding intervals.
• Ancillary Fees & Taxes: Our tools calculate pure principal and interest. Actual lender repayments often include loan origination fees, appraisal fees, escrow property taxes, and private mortgage insurance (PMI).
• Floating & Variable Rates: Floating rate loans are subject to central bank benchmark rate revisions that alter your future repayment schedule over time.

5. Intellectual Property

All content, software code, graphic designs, logos, typography, styling, charts, and text authored on Interest Calculator are the intellectual property of Interest Calculator and are protected under international copyright, trademark, and unfair competition laws. All rights not expressly granted to you are reserved.

6. Third-Party Advertisements & Outbound Links

This Website may present advertisements served by third-party ad networks (such as Google AdSense) or contain links to external third-party websites. Interest Calculator does not endorse, control, verify, or assume responsibility for the accuracy of claims made in third-party advertisements or on external financial portals.

7. Disclaimer of Warranties & Limitation of Liability

The service is provided strictly on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by applicable law, Interest Calculator, its creators, maintainers, affiliates, and hosting providers disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Under no circumstances shall Interest Calculator be liable for any direct, indirect, incidental, consequential, special, or punitive damages—including loss of profits, investment losses, loan penalties, or savings shortfalls—arising out of or related to your use of our calculators.

8. Indemnification

You agree to indemnify, defend, and hold harmless Interest Calculator and its operators from and against any claims, liabilities, damages, losses, and legal expenses arising out of your violation of these Terms or your misuse of the computational tools.

9. Modifications to Terms

We reserve the right to revise or amend these Terms of Service at any time without prior notice. Any modifications become effective immediately upon posting to this URL. Your continued use of the Platform subsequent to such changes constitutes your acceptance of the revised Terms.

10. Contact Information

If you have questions, feedback, or legal inquiries regarding these Terms of Service, please reach out via: