Welcome to Auto Loan Calculator ("we," "us," "our," or the "Website"). By accessing or using our website and calculator tool (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms

By accessing or using Auto Loan Calculator, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Auto Loan Calculator.

If you are using our Services on behalf of an organization or company, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Description of Services

Auto Loan Calculator provides:

• A free, web-based auto loan calculator that estimates monthly payments, total payments, and total interest costs
• Educational content about auto financing, interest rates, and loan terms
• Informational blog articles and guides related to car buying and financing
• Comparison tools and resources to help users understand different loan scenarios

Our Services are provided for informational and educational purposes only.

3. Eligibility

You must be at least 18 years old to use our Services. By using our website, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into these Terms
• You will use the Services only for lawful purposes and in accordance with these Terms
• All information you provide to us is accurate, current, and complete

4. Use of Calculator and Services

4.1 Permitted Use

You may use our calculator and Services for:

• Personal, non-commercial purposes to estimate auto loan payments
• Educational purposes to understand how auto financing works
• Comparing different loan scenarios before making financing decisions
• Researching and learning about auto loan terms and interest rates

4.2 Prohibited Use

You agree NOT to:

• Use the Services for any illegal or unauthorized purpose
• Attempt to reverse engineer, decompile, or disassemble any part of our website
• Use automated tools, bots, or scripts to access or scrape our website without permission
• Interfere with or disrupt the functionality of our website or servers
• Transmit viruses, malware, or any other malicious code
• Impersonate any person or entity, or falsely state or misrepresent your affiliation
• Collect or harvest any personally identifiable information from other users
• Use the Services to spam, harass, or send unsolicited messages
• Copy, reproduce, distribute, or create derivative works from our content without permission
• Frame or mirror any part of our website without our express written consent

5. No Financial Advice or Loan Offers

You should always consult with qualified financial professionals before making any financial decisions. Our calculator provides estimates based on the information you input, but these estimates may not reflect actual loan offers you receive from lenders.

6. Accuracy of Information

6.1 Calculator Accuracy

While we strive to ensure our calculator uses accurate amortization formulas and provides reliable estimates, we make no guarantees regarding the accuracy, completeness, or reliability of the results. Calculator results depend on the accuracy of the information YOU input.

6.2 Content Accuracy

The information provided on our website, including blog articles, guides, and educational content, is for general informational purposes only. We make reasonable efforts to ensure content is accurate and up-to-date, but:

• Interest rates, lending practices, and regulations change frequently
• Information may become outdated or inaccurate over time
• Content is not tailored to your specific financial situation

We do not warrant that our website or content is error-free or uninterrupted.

7. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Services will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of calculator results
• Warranties that defects will be corrected

We do not warrant that our website will be compatible with all devices or browsers, or that it will meet your specific requirements.

8. Limitation of Liability

• Financial losses resulting from reliance on calculator estimates
• Loan applications denied or interest rates higher than expected
• Loss of data or information
• Business interruption or loss of profits
• Errors or inaccuracies in calculator results
• Decisions made based on information from our website

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU PAID TO USE OUR SERVICES (WHICH IS $0, AS OUR SERVICES ARE FREE).

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will