Effective Date: January 1, 2026
Welcome to loanpayoffcalc.com (“us,” “we,” or “our”). These Terms and Conditions govern your use of our website and the services provided, including the Loan Payoff Calculator (the “Service”). By accessing or using the Service, you agree to be bound by these Terms.
1. Acceptance of Terms
By using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Service.
2. The Service and Financial Disclaimer
A. Non-Professional Advice
The Service, including all calculations, results, articles, guides, and supporting information, is provided for informational and illustrative purposes only.
B. No Professional Financial Advice
We are not financial advisors, licensed brokers, accountants, or lenders. The results provided by the Loan Payoff Calculator are projections based on mathematical formulas and the accuracy of the data you enter. They should not be considered professional financial advice, investment advice, or legal advice.
C. No Guarantee of Accuracy
While we strive for high mathematical accuracy, we do not warrant the completeness, reliability, or accuracy of the calculations or the information provided on the website. Official loan payoff figures must always be obtained directly from your lender or loan servicer. We shall not be held liable for any decisions made based on the use of our Service.
3. User Obligations
By using the Service, you agree:
- To use the calculator only for personal, non-commercial purposes.
- To ensure the data you input (loan balance, interest rate, term) is accurate to generate meaningful results.
- Not to use the Service in any way that violates any applicable local, national, or international law.
- Not to attempt to interfere with the proper working of the Service, including by introducing viruses or malicious code.
4. Intellectual Property
The Service and its original content, features, and functionality (including the code, design, text, graphics, logos, and the calculator’s user interface) are and will remain the exclusive property of loanpayoffcalc.com and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of loanpayoffcalc.com.
5. Links to Other Websites
Our Service may contain links to third-party websites or services that are not owned or controlled by loanpayoffcalc.com.
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that loanpayoffcalc.com 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 use of or reliance on any such content, goods, or services available on or through any such websites or services.
6. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall loanpayoffcalc.com or its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of, or inability to access or use, the Service;
- Any conduct or content of any third party on the Service;
- Any reliance you place on the results or information provided by the Service.
7. Governing Law
These Terms shall be governed and construed in accordance with the laws of USA, without regard to its conflict of law provisions.
8. Changes to Terms and Conditions
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
9. Contact Us
If you have any questions about these Terms, please contact us.