Terms of Use

Last updated: January 2026

1. The Tool is Free to Use

LoanPayCal is provided free of charge, with no registration required. You may use it as many times as you like, for any lawful purpose.

2. No Professional Advice

All calculations, estimates, and outputs are for informational purposes only. They do not constitute financial, legal, or tax advice. Mortgage rates, terms, and availability vary by lender, location, credit profile, and market conditions.

3. No Warranty

This tool is provided "as is" without warranty of any kind. While we strive for accuracy, we do not guarantee that calculations are error-free or suitable for your specific situation. Always verify results with a qualified mortgage professional before making financial decisions.

4. Limitation of Liability

In no event shall the operators of LoanPayCal be liable for any direct, indirect, incidental, or consequential damages arising from your use of this tool.

5. Intellectual Property

All content, design, and code on this website are © 2026 LoanPayCal. You may not copy, reproduce, or redistribute the website content without permission.

6. Changes to These Terms

We may update these terms from time to time. Continued use of the site after changes constitutes acceptance of the new terms.

7. Contact

Questions about these terms? Email us at 18999737@qq.com.