Terms of use

Agreement to terms

By accessing or using loantoolshub.com(the "Site"), you agree to these Terms of Use ("Terms"). If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization, and "you" includes the organization.

If you do not agree to these Terms, do not use the Site. We may change these Terms from time to time; the "Last updated" date reflects the latest version. Your continued use after changes constitutes acceptance of the updated Terms.

Eligibility & lawful use

You may use the Site only in compliance with these Terms and all applicable laws.

• You must be old enough to form a binding contract where you live (often 18+ in the United States).
• You will not use the Site in any way that violates law, infringes others' rights, or harms the Site or other users.
• You will not attempt to gain unauthorized access to our systems, other users' data, or third-party networks.

License to use the site

Subject to these Terms, LoanToolsHub grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial use, including running calculators and reading guides in your browser.

Except as allowed by law or with our prior written consent, you may not copy, modify, distribute, sell, lease, or create derivative works from the Site or its content in ways that exceed ordinary personal browsing and printing for your own records.

Restrictions

Without limiting other rules, you agree not to:

• Use automated means to access the Site in a way that imposes an unreasonable load or bypasses normal use (for example aggressive scraping or denial-of-service style activity);
• Interfere with or disrupt the integrity or performance of the Site;
• Remove or obscure legal notices, branding, or proprietary markings;
• Use the Site to develop a competing service by systematically extracting our content or UI;
• Misrepresent your identity or affiliation, or use the Site to send spam or deceptive communications.

Reasonable caching by your browser and accessibility tools are expected and not restricted by the list above.

Intellectual property

The Site, including its text, layout, graphics, logos, and software (excluding third-party components), is owned by LoanToolsHub or its licensors and is protected by copyright, trademark, and other intellectual property laws.

"LoanToolsHub" and related marks are trademarks of LoanToolsHub. Third-party names and marks belong to their respective owners.

Feedback & communications

If you send us ideas, suggestions, bug reports, or other feedback ("Feedback"), you grant LoanToolsHub a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate that Feedback without obligation to you, except where prohibited by law.

Feedback does not create a partnership, agency, employment, or advisory relationship. We are not obligated to implement Feedback or keep it confidential if it was not marked confidential and agreed in writing.

Third-party services

The Site may include links to third-party websites, embeds, or advertisements. Third-party services are governed by their own terms and privacy policies. We are not responsible for third-party content, availability, or practices.

Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

Calculator outputs and articles are educational and may be incomplete or inaccurate for your situation. Please read our full disclaimer, which is incorporated into these Terms by reference.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LOANTOOLSHUB OR ITS OWNERS, OPERATORS, CONTRIBUTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE SITE.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR USE OF THE SITE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) FIFTY US DOLLARS (USD $50). BECAUSE ACCESS IS FREE, (A) MAY BE ZERO.

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the maximum permitted by law.

Indemnification

You will defend, indemnify, and hold harmless LoanToolsHub and its owners, operators, contributors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Disputes & governing law

These Terms are governed by the laws of the United Statesand applicable U.S. federal law, without regard to conflict-of-law principles that would require applying another jurisdiction's laws.

Subject to applicable law, you agree that exclusive jurisdiction for disputes arising out of or relating to these Terms or the Site will lie in the state or federal courts located in the United States, and you waive any objection to venue in those courts (unless a mandatory consumer protection law in your country says otherwise).

If you believe a mandatory law in your location gives you rights that cannot be waived by contract, those rights may still apply to you.

General

• Entire agreement — these Terms, together with the policies linked here, are the entire agreement between you and LoanToolsHub regarding the Site, superseding prior understandings on the same topic.
• Severability — if any provision is held invalid or unenforceable, the remaining provisions remain in effect.
• No waiver — failure to enforce a provision is not a waiver of our right to enforce it later.
• Assignment — we may assign these Terms in connection with a merger, acquisition, or sale of assets. You may not assign your rights without our consent.

Contact

For questions about these Terms, contact support@loantoolshub.com or visit /contact. You can also read about LoanToolsHub or our privacy policy.