Terms of Service

1. Acceptance of Terms

By accessing or using Extra Payment Calculator ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you may not access or use our Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

Extra Payment Calculator provides:

• Online loan payment calculators
• Educational content about debt elimination strategies
• Tools to visualize the impact of extra payments
• General financial information and resources

Our Service is provided "as-is" for informational and educational purposes only.

3. User Responsibilities

Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any unlawful purpose or to solicit others to perform unlawful acts
• Violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• Submit false or misleading information
• Upload or transmit viruses or any other type of malicious code
• Spam, phish, pharm, pretext, spider, crawl, or scrape
• Interfere with or circumvent the security features of the Service

Account Information

If you provide any information to us (such as through contact forms or newsletter subscriptions), you are responsible for ensuring that information is accurate, current, and complete.

4. Important Disclaimers

Calculator Accuracy

Our calculators provide estimates based on the information you input and standard mathematical formulas. However:

• Results are approximations and may not reflect actual loan terms
• Your actual savings may vary due to factors like prepayment penalties, rate changes, or lender policies
• We cannot guarantee the accuracy of calculations
• Always verify results with your lender before making decisions

5. Intellectual Property

Our Content

The Service and its original content, features, and functionality are and will remain the exclusive property of Extra Payment Calculator and its licensors. The Service is protected by copyright, trademark, and other laws.

Your Use Rights

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use the Service for personal, non-commercial purposes
• Use our calculators for your own financial planning
• Share links to our content (but not republish entire articles)

6. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

Key privacy highlights:

• Calculator inputs stay on your device and are never transmitted to our servers
• We only collect information you voluntarily provide (like newsletter subscriptions)
• We never sell your personal information

7. Third-Party Services and Links

Our Service may contain links to 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 or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused by the use of any such content, goods, or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services you visit.

8. Limitation of Liability

9. Indemnification

You agree to defend, indemnify, and hold harmless Extra Payment Calculator and its officers, directors, employees, agents, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the Service or violation of these Terms.

10. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason, including if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. The provisions of these Terms that by their nature should survive termination shall survive, including limitation of liability, indemnity, and governing law provisions.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

12. Governing Law

These Terms shall be interpreted and governed by the laws applicable to our business operations, without regard to conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any disputes shall be resolved in accordance with applicable international e-commerce regulations.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. These Terms constitute the entire agreement between us regarding our Service.

14. Contact Information

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

We operate exclusively as an online service provider offering virtual financial calculation tools and educational content. All communications and support are handled electronically.