The rules and disclaimers that govern your use of Simplified Loan Calc
Plain English summary: Simplified Loan Calc is a free informational website with loan calculators and educational articles. We are not a lender, broker, or financial advisor. The numbers and rates you see are estimates — confirm everything with a licensed professional before making decisions. By using the site, you agree to these terms.
These Terms of Service ("Terms") form a binding agreement between you and Simplified Loan Calc ("we," "our," or "us") and govern your access to and use of the website simplifiedloancalc.com (the "Site"), including all calculators, articles, and related content.
By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must stop using the Site.
You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Site. The Site is intended for personal, non-commercial use to help you learn about and estimate loan-related figures.
You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. We may modify, suspend, or discontinue any part of the Site at any time without notice.
Simplified Loan Calc is an informational and educational resource. We are not a lender, mortgage broker, financial advisor, tax advisor, accountant, or attorney. Nothing on the Site is intended to be — and should not be relied on as — financial, investment, tax, legal, or accounting advice.
Mortgage, auto, personal-loan, credit, and affordability information shown on the Site is for general guidance only. Your individual situation depends on factors we cannot see, including your full credit profile, income, employment, debts, and local market conditions. Always consult a licensed professional before making a financial decision.
Our calculators run entirely in your browser and produce estimates based on the inputs you provide and standard formulas. Real-world results will differ. Lenders use additional underwriting factors (credit score, debt-to-income ratio, property type, loan program rules, taxes, insurance, mortgage insurance, HOA fees, points, lender fees, and more) that our tools may not fully model.
Interest rates, APRs, fees, programs, and loan limits referenced in articles are based on publicly available information at the time of writing and change frequently. We do not guarantee that any rate, program, or product mentioned will be available to you, and we do not update every article every time the market moves. Verify all numbers directly with a lender before relying on them.
We make reasonable efforts to keep content accurate but make no representation that the Site will be free of errors, omissions, or out-of-date material.
Simplified Loan Calc is an advertising-supported website. Some links on the Site are affiliate links, meaning we may earn a commission if you click through and complete an action (such as applying for a loan or signing up for a service). This does not change the price you pay and does not influence our editorial recommendations.
We also display advertisements served by Google AdSense and other ad partners. We do not control which specific ads appear and do not endorse any advertiser or product shown. The presence of an ad is not a recommendation. See our Privacy Policy for details on advertising cookies and how to opt out of personalized ads.
The Site contains links to third-party websites, lenders, government resources, and tools that we do not own or control. We are not responsible for the content, privacy practices, terms, accuracy, or availability of any third-party site. Accessing a third-party site is at your own risk and subject to that site's terms and privacy policy.
All content on the Site — including text, articles, calculators, code, graphics, logos, and the "Simplified Loan Calc" name and branding — is owned by us or our licensors and is protected by copyright, trademark, and other intellectual-property laws.
You may view and print pages for personal, non-commercial use. You may not reproduce, republish, scrape, mirror, redistribute, or create derivative works from any part of the Site without our prior written permission. Brief quotations with a link back to the original page are permitted under standard fair-use practice.
When using the Site, you agree not to:
The Site and all content, calculators, and information are provided "as is" and "as available," without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or uninterrupted availability.
We do not warrant that the Site will be error-free, secure, or free of viruses or other harmful components, or that any defects will be corrected. Your use of the Site is at your sole risk.
To the maximum extent permitted by law, Simplified Loan Calc and its owners, operators, employees, and contributors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including but not limited to lost profits, lost savings, financial loss from a loan or investment decision, loss of data, or business interruption — arising from or related to your use of, or inability to use, the Site, even if we have been advised of the possibility of such damages.
To the extent any liability cannot be excluded under applicable law, our total aggregate liability to you for all claims arising out of or relating to the Site is limited to one hundred U.S. dollars (US$100).
You agree to indemnify, defend, and hold harmless Simplified Loan Calc and its owners, operators, employees, and contributors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Site, (b) your violation of these Terms, or (c) your violation of any law or the rights of any third party.
These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. You agree that the exclusive venue and jurisdiction for any dispute arising out of or relating to the Site or these Terms will be the state or federal courts located in Palm Beach County, Florida, and you consent to personal jurisdiction in those courts.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. If you do not agree with the changes, please stop using the Site.
If you have questions about these Terms, please reach out:
We typically respond within 1–2 business days.
contact@simplifiedloancalc.comSimplified Loan Calc · Greenacres, Florida, USA