1. Acceptance of terms
By accessing or using SmartLoanCalcs, you accept and agree to be bound by these Terms of Service. If you do not agree, do not use the site.
2. Use of the service
You may use our calculators and content for personal, non-commercial purposes. You may not:
- Use our tools for unlawful purposes.
- Attempt to gain unauthorized access to our systems.
- Scrape or harvest content automatically without permission.
- Misrepresent our content as your own.
3. Intellectual property
All content — text, calculations, code, design — is owned by SmartLoanCalcs or its licensors and is protected by copyright. Limited fair-use citation with attribution is permitted.
4. Disclaimer of warranties
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, express or implied. We make no representations about accuracy, reliability, fitness for purpose, or availability.
5. Limitation of liability
IN NO EVENT SHALL SMARTLOANCALCS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES — including loss of profits, data, or opportunities — arising from your use of, or inability to use, the service or any decisions made based on its output.
6. User-submitted content
Any feedback or content you submit through our Contact form becomes our property. You grant us a perpetual, royalty-free license to use it.
7. Third-party links
We may link to third-party websites. We are not responsible for their content or practices.
8. Modifications
We may modify these Terms at any time. Continued use after changes means you accept the new Terms.
9. Governing law
These Terms are governed by the laws of Japan, without regard to conflict-of-law principles. Disputes shall be resolved in Japanese courts of competent jurisdiction.
10. Contact
Questions? See our Contact page.