Terms of Service

Last Updated: April 12, 2026

Welcome to LoanCrunch. These Terms of Service ("Terms") govern your access to and use of the LoanCrunch website located at loancrunch.co (the "Website"), including all content, features, calculators, and services offered on or through the Website.

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website.

1. Acceptance of Terms

By accessing, browsing, or using LoanCrunch, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. These Terms constitute a legally binding agreement between you and LoanCrunch.

If you are using the Website on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization to these Terms, and your acceptance of these Terms will be deemed acceptance by that organization.

2. Description of Service

LoanCrunch provides free online financial calculators and educational tools, including but not limited to:

• Loan calculators for various loan types
• Mortgage calculators and amortization schedules
• Auto loan calculators
• Credit card payoff calculators
• Compound interest calculators
• Investment calculators
• Financial guides and educational resources

These calculators are designed for educational and informational purposes only and are provided to help users understand financial concepts and estimate potential outcomes based on user-provided inputs.

3. Educational Purpose and Not Financial Advice

IMPORTANT: LoanCrunch and all calculators, tools, content, and information provided on this Website are for educational and informational purposes only. They do not constitute financial, investment, legal, tax, or professional advice.

The results generated by our calculators are estimates based on the information you provide and the assumptions built into each calculator. These estimates should not be considered as guarantees, predictions, or recommendations for any specific financial decision.

You should not rely solely on information from LoanCrunch to make financial decisions. Always consult with qualified financial advisors, accountants, attorneys, or other licensed professionals before making any financial, investment, legal, or tax-related decisions.

4. Accuracy and Reliability of Calculators

4.1 Calculation Methodology

Our calculators use standard financial formulas and industry-accepted methodologies to produce estimates. However, actual results may vary significantly depending on numerous factors, including but not limited to:

• Changes in interest rates over time
• Variations in lender terms and conditions
• Additional fees, charges, or penalties not accounted for in calculations
• Changes in personal financial circumstances
• Market conditions and economic factors
• Tax implications specific to your situation

4.2 No Guarantee of Accuracy

While we strive to ensure that our calculators are accurate and reliable, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the calculators, tools, or information provided.

Calculator results are approximations and should be verified independently before making any financial commitments. Different financial institutions may use different calculation methods, which may produce different results.

5. User Responsibilities

When using LoanCrunch, you agree to:

• Provide Accurate Information: Enter accurate and complete information into calculators to obtain meaningful results
• Verify Results: Independently verify calculator results with financial professionals or institutions before making decisions
• Use Lawfully: Use the Website only for lawful purposes and in accordance with these Terms
• Respect Intellectual Property: Not copy, modify, distribute, or create derivative works from our content without permission
• Avoid Harmful Activities: Not engage in any activity that could harm, disable, overburden, or impair the Website
• No Unauthorized Access: Not attempt to gain unauthorized access to any portion of the Website or any systems or networks

6. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, CALCULATORS, TOOLS, AND SERVICES PROVIDED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, LOANCRUNCH DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, or completeness of calculator results
• Warranties that the Website will be uninterrupted, secure, or error-free
• Warranties regarding the results that may be obtained from using the Website
• Warranties concerning the accuracy or reliability of any information obtained through the Website

No advice or information, whether oral or written, obtained from LoanCrunch or through the Website will create any warranty not expressly made in these Terms.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LOANCRUNCH, ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO:

• Your use of or inability to use the Website or any calculator
• Any financial decisions made based on calculator results or information from the Website
• Any errors, mistakes, or inaccuracies in calculator results or content
• Any unauthorized access to or use of our servers or any personal information stored therein
• Any interruption or cessation of transmission to or from the Website
• Any bugs, viruses, or other harmful code transmitted through the Website by any third party

IN NO EVENT SHALL LOANCRUNCH'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID TO LOANCRUNCH IN THE LAST TWELVE MONTHS, WHICHEVER IS LESS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

8. Indemnification

You agree to indemnify, defend, and hold harmless LoanCrunch and its owners, operators, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use of the Website or any calculator
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Any financial decisions or actions you take based on information or results from the Website

9. Intellectual Property Rights

All content on the Website, including but not limited to text, graphics, logos, calculators, software, code, design elements, and compilation of content, is the property of LoanCrunch and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. You may not:

• Copy, modify, or create derivative works of any content without prior written permission
• Reproduce, republish, or redistribute content from the Website
• Use automated systems or software to extract data from the Website (scraping)
• Remove or alter any copyright, trademark, or other proprietary notices
• Use the Website or its content for any commercial purpose without express permission

10. Third-Party Links and Services

The Website may contain links to third-party websites or services that are not owned or controlled by LoanCrunch. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that LoanCrunch shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any third-party content, products, or services.

11. Variable Interest Rates and Market Conditions

Many financial products, including loans and mortgages, may have variable interest rates that can change over time based on market conditions, economic factors, or lender policies. Our calculators typically use fixed interest rates provided by users and do not account for future rate changes.

Actual loan terms, interest rates, monthly payments, and total interest paid may differ significantly from calculator estimates. Always verify current rates and terms with your financial institution.

12. Individual Circumstances

Financial decisions are highly individual and depend on your unique circumstances, including income, credit history, debt-to-income ratio, assets, liabilities, tax situation, and financial goals. Calculator results do not take these individual factors into account.

What works for one person may not be appropriate for another. Always consider your personal financial situation and consult with qualified professionals before making financial decisions.

13. Modifications to Service and Terms

LoanCrunch reserves the right to modify, suspend, or discontinue any aspect of the Website or any calculator at any time without notice or liability. We may also modify these Terms at any time by posting updated Terms on the Website.

Your continued use of the Website after any changes to these Terms constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

14. Termination

We reserve the right to terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or your use of the Website shall be resolved in the courts located in the United States, and you consent to the exclusive jurisdiction of such courts.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and LoanCrunch regarding your use of the Website and supersede all prior or contemporaneous communications, agreements, or understandings, whether oral or written.

18. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by LoanCrunch.

19. Questions and Concerns

If you have any questions, concerns, or disputes regarding these Terms of Service, please contact us. We are committed to resolving any issues in a fair and timely manner.

Contact Us

If you have questions about these Terms of Service, contact us at:

Email: [email protected]

Website: loancrunch.co

Thank you for using LoanCrunch. We appreciate your trust and are committed to providing valuable financial education tools.