Terms of Service
Last updated: February 18, 2026
1. Acceptance of Terms
By accessing and using LoanCalc ("the Service") at https://loancalculator.app, you agree to be bound by these Terms of Service. If you do not agree, please discontinue use immediately.
2. Description of Service
LoanCalc provides a free, browser-based EMI (Equated Monthly Instalment) calculator for educational and informational purposes. The Service includes amortization schedule generation, charts, and PDF export functionality.
3. Disclaimer – No Financial Advice
All calculations and results provided by LoanCalc are indicative and for informational purposes only. They do not constitute financial, legal, or investment advice. Actual loan terms, EMI amounts, and interest rates may vary based on your lender's policies, credit score, and other factors. Always consult your bank or a qualified financial advisor before making financial decisions.
4. Accuracy of Information
While we strive to ensure the calculator produces accurate results, we make no warranties regarding the completeness, reliability, or accuracy of the output. LoanCalc shall not be liable for any errors or omissions, or for any actions taken in reliance on the information provided.
5. Limitation of Liability
To the maximum extent permitted by law, LoanCalc and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Service.
6. Intellectual Property
All content, design, and code on this website are the property of LoanCalc unless otherwise stated. You may not reproduce, distribute, or create derivative works without prior written permission.
7. Third-Party Links & Ads
The Service may display third-party advertisements (Google AdSense) and links. We are not responsible for the content, privacy practices, or accuracy of any third-party sites or advertisements.
8. Modifications
We reserve the right to modify these Terms at any time. Changes are effective upon posting to this page. Continued use of the Service constitutes acceptance of the revised Terms.
9. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved in the appropriate courts of jurisdiction.
10. Contact
For questions about these Terms, please use our Contact page.