Terms of Service

Effective Date: August 22, 2026 | Last Updated: August 22, 2026

Welcome to Auto Loan Calculator ("we," "our," or "us"). These Terms of Service ("Terms") govern your download, installation, and use of our mobile application available on Android (the "App") and related services accessible via our website https://loancalculatorpro.app.

By accessing, downloading, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.

1. Description of the Service

Auto Loan Calculator is an automotive financial calculation and planning utility. Key features include:

Auto loan payment calculations and out-the-door cost breakdowns.
Country-specific tax, fee, and negative equity computations.
Financing offer comparisons (e.g., Low APR vs. Cash Rebate).
Early payoff and extra principal prepayment simulations.
Total Cost of Ownership (TCO) estimation (fuel, insurance, depreciation).
Active vehicle loan tracking and statement reconciliation tools.
Export of PDF summary dealer sheets and CSV amortization schedules.

2. Financial & Legal Disclaimer (Important)

Informational and Educational Purposes Only

All calculations, schedules, interest projections, tax estimations, and cost comparisons provided by the App are mathematical estimations designed solely for informational, illustrative, and planning purposes.

Not Financial, Tax, or Legal Advice

The App does NOT constitute an offer of credit, loan pre-approval, commitment to lend, or official financial quotation from any bank, credit union, automotive manufacturer, or dealership.
Actual loan terms, Annual Percentage Rates (APR), monthly payments, applicable taxes, title/registration fees, documentation charges, and dealer fees vary based on individual creditworthiness, lender policies, dealership terms, and local governmental regulations.
We strongly recommend consulting with a certified financial advisor, licensed tax professional, or authorized lending officer before making major automotive purchasing or financing commitments.

3. User Data and Privacy

Your privacy is paramount. Financial calculations, saved deal history, vehicle loan logs, and preferences entered into the App are stored locally on your device and are not uploaded to our servers. For detailed information on data handling, permissions, and third-party advertising, please review our Privacy Policy.

4. Intellectual Property & License

License Grant: We grant you a revocable, non-exclusive, non-transferable, limited license to download, install, and use the App strictly for your personal, non-commercial use on mobile devices you own or control.
Ownership: All intellectual property rights, including software code, UI designs, logos, icons, formulas, text, graphics, and trademarks, remain the exclusive property of Auto Loan Calculator and its licensors.
Restrictions: You agree not to:
- Decompile, reverse engineer, disassemble, or attempt to derive the source code of the App.
- Modify, adapt, translate, or create derivative works based upon the App.
- Rent, lease, lend, sell, sublicense, distribute, or commercially exploit the App without prior written consent.
- Interfere with or bypass any security features or advertising mechanisms embedded within the App.

5. Third-Party Advertisements and External Links

The App displays third-party advertisements served by Google AdMob.

We do not endorse, guarantee, or assume responsibility for any products, services, claims, or content advertised by third parties.
Any interaction or transaction you enter into with third-party advertisers is solely between you and the respective advertiser.
The App may contain links to external third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

6. Disclaimer of Warranties

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
GUARANTEES OF ACCURACY, COMPLETENESS, RELIABILITY, ERROR-FREE OPERATION, OR UNINTERRUPTED AVAILABILITY.
GUARANTEES THAT CALCULATIONS WILL EXACTLY MATCH FINAL CONTRACT FIGURES GENERATED BY SPECIFIC LENDERS OR DEALERSHIPS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL AUTO LOAN CALCULATOR, ITS DEVELOPERS, AFFILIATES, OFFICERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, GOODWILL, SAVINGS, OR FINANCIAL LOSSES ARISING FROM VEHICLE FINANCING TRANSACTIONS) ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE APP, REGARDLESS OF THE THEORY OF LIABILITY.

8. Modifications to the Service and Terms

We reserve the right, at our sole discretion, to modify, update, or discontinue the App or any part thereof at any time without notice. We may also revise these Terms periodically. When changes are made, we will update the "Last Updated" date at the top of these Terms. Your continued use of the App following the posting of revised Terms constitutes your acceptance of the changes.

9. Governing Law & Severability

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

10. Contact Information

If you have any questions, comments, or legal inquiries concerning these Terms of Service, please reach out to us at:

Website: https://loancalculatorpro.app
Support & Legal Email: [email protected]