Terms of Service

1. Acceptance of Terms

By accessing and using ComparesLoans.com ("the Website," "our Website," "the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this service.

These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

2. Use of the Website

2.1 Eligibility

You must be at least 18 years old to use this Website. By using this Website and agreeing to these Terms of Service, you warrant and represent that you are at least 18 years of age.

2.2 License to Use

Subject to these Terms of Service, we grant you a limited, non-exclusive, non-transferable, and revocable license to use our Website for personal, non-commercial use.

2.3 Prohibited Uses

You may not use our Website:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service

3. Description of Service

ComparesLoans.com provides online loan calculators, financial information, educational resources, and related tools ("the Service"). The Service is provided for informational and educational purposes only and should not be considered professional financial advice.

3.1 Calculator Accuracy

While we strive to provide accurate calculations, the results from our loan calculators are estimates based on the information you provide. Actual loan terms, payments, and total costs may vary based on numerous factors including but not limited to:

• Credit score and credit history
• Lender-specific terms and conditions
• Market conditions
• Additional fees and charges
• Regional variations
• Changes in interest rates

4. Financial Disclaimer

The information provided on this Website is for general informational and educational purposes only and is not a substitute for professional financial advice.

Always seek the advice of qualified financial professionals regarding your specific financial situation. We do not provide:

• Financial advice
• Investment advice
• Legal advice
• Tax advice
• Accounting services

Any reliance you place on information from this Website is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials.

5. Intellectual Property Rights

5.1 Ownership

The Service and its original content, features, and functionality are and will remain the exclusive property of ComparesLoans.com and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

5.2 User Content

Our Service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, or other material ("Content"). You are responsible for the Content that you post to the Service, including its legality, reliability, and appropriateness.

By posting Content to the Service, you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service.

6. Privacy Policy

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

7. Third-Party Links and Content

Our Website may contain links to third-party websites or services that are not owned or controlled by ComparesLoans.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 acknowledge and agree that we 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 the use of any such content, goods, or services available on or through any such websites or services.

8. Advertising and Affiliate Relationships

The Website may contain advertisements and affiliate links. We may receive compensation from third parties for displaying ads or when you click on links and complete certain actions. This compensation helps support the free tools and resources we provide.

We are not responsible for the products or services offered by advertisers or affiliate partners. Any transactions you enter into with third parties are solely between you and the third party.

9. Disclaimers and Limitations of Liability

9.1 Disclaimer of Warranties

THE INFORMATION ON THIS WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU AGREE THAT YOUR USE OF THE WEBSITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT

9.2 Limitation of Liability

IN NO EVENT SHALL COMPARESLOANS.COM, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM:

• Any errors, mistakes, or inaccuracies of content
• Personal injury or property damage resulting from your use of the Service
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, trojan horses, or the like transmitted through the Service
• Any errors or omissions in any content
• Any loss or damage incurred as a result of the use of any content

10. Indemnification

You agree to defend, indemnify, and hold harmless ComparesLoans.com and its licensors, employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) resulting from:

• Your use of and access to the Service
• Your violation of these Terms of Service
• Your violation of any third party right
• Any claim that your use caused damage to a third party

11. Termination

We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Service.

Upon termination, your right to use the Service will cease immediately. All provisions of the Terms of Service which by their nature should survive termination shall survive termination.

12. Governing Law and Jurisdiction

These Terms of Service and any separate agreements shall be governed by and construed in accordance with the laws of the United States and the state in which ComparesLoans.com operates, without regard to its conflict of law provisions.

You agree to submit to the personal jurisdiction of the federal and state courts located within the jurisdiction of our operations for the purpose of litigating all such claims or disputes.

13. Changes to Terms of Service

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes.

Your continued use of or access to our website following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

14. Severability

If any provision of these Terms of Service is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

15. Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

16. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices published by us on the Website, constitute the entire agreement between you and ComparesLoans.com concerning the use of the Website.

17. Contact Information

If you have any questions about these Terms of Service, please contact us at:

18. Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.