Terms of Service

1. Acceptance of Terms

By accessing and using Student Loan Calculator ("Service") at https://studentloan-calculator.com, you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

Service Provider Location: Shenzhen, China

2. Description of Service

Student Loan Calculator provides free online calculators and educational resources to help users understand and manage student loans. Our services include:

• Student loan payment calculators
• Interest calculation tools
• Loan comparison features
• Educational content about student loans
• Repayment strategy information

All calculations are estimates for informational purposes only and should not be considered financial advice.

3. User Responsibilities

When using our Service, you agree to:

• Provide accurate information when using our calculators
• Use the Service only for lawful purposes
• Not attempt to interfere with or disrupt the Service
• Not use automated systems to access the Service without permission
• Not collect or harvest user data from the Service
• Comply with all applicable laws and regulations

4. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, calculators, and software, is the property of Student Loan Calculator or its content suppliers and is protected by intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our content for commercial purposes without authorization
• Reverse engineer or attempt to extract source code
• Remove any copyright or proprietary notices

5. Disclaimer of Warranties

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

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of information

We do not guarantee that the Service will be uninterrupted, secure, or error-free. Calculator results are estimates only and may not reflect actual loan terms or payments.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STUDENT LOAN CALCULATOR AND ITS AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from use or inability to use the Service
• Errors or inaccuracies in calculator results
• Decisions made based on information provided by the Service

Our total liability shall not exceed $100 USD or the amount you paid us in the past 12 months, whichever is less.

7. Financial Disclaimer

NOT FINANCIAL ADVICE: The information and calculations provided by Student Loan Calculator are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice.

Always consult with qualified professionals regarding your specific financial situation before making any financial decisions.

8. Third-Party Services and Links

Our Service may contain links to third-party websites or services, including:

• Google AdSense advertisements
• External educational resources
• Government loan websites

We are not responsible for the content, privacy policies, or practices of third-party services. Your use of third-party services is at your own risk.

9. Privacy and Data Protection

Your use of our Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of information as described in the Privacy Policy.

10. Modifications to Service and Terms

We reserve the right to:

• Modify or discontinue the Service at any time
• Update these Terms at our discretion
• Change features or functionality without notice

Continued use of the Service after changes constitutes acceptance of the modified Terms.

11. Indemnification

You agree to indemnify, defend, and hold harmless Student Loan Calculator, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party

12. Termination

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

Upon termination, your right to use the Service will cease immediately.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of China, without regard to its conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in Shenzhen, China.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Student Loan Calculator regarding the use of the Service.

16. Contact Information

For questions or concerns about these Terms of Service, please contact us at:

17. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.