Terms of Service

1. Acceptance of Terms

By accessing and using Loan Analyser ("the tool"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the tool.

2. Nature of the Service

Loan Analyser is a free, online calculator that provides estimated loan amortization schedules, EMI breakdowns, pre-payment impact analysis, and AI-powered recommendations. The tool is provided "as is" for informational and educational purposes only.

3. Not Financial Advice

The information provided by Loan Analyser does not constitute financial, legal, or tax advice. All calculations are approximate and based on standard reducing-balance EMI formulas. Actual loan terms, interest calculations, and charges may vary based on your lender, loan agreement, and applicable regulations.

Always consult your bank or a qualified financial advisor before making financial decisions based on the tool's output.

4. Accuracy of Calculations

While we strive for accuracy, we do not guarantee that:

• Calculations will exactly match your lender's computations (differences may arise due to rounding, day-count conventions, or processing dates).
• AI-generated recommendations or chat responses are accurate, complete, or suitable for your specific situation.
• The tool will be available without interruption or error.

5. AI Features

The AI Chat Assistant and Smart Recommendations features use a third-party AI service. These features:

• May produce inaccurate or incomplete responses.
• Should not be relied upon as the sole basis for financial decisions.
• Process your loan data as described in our Privacy Policy.

6. User Responsibilities

• You are responsible for the accuracy of the data you enter into the tool.
• You should independently verify all calculations before acting on them.
• You agree not to use the tool for any unlawful purpose or to misrepresent its outputs.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Loan Analyser and its creators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the tool, including but not limited to financial losses based on the tool's calculations or AI recommendations.

8. Intellectual Property

The tool's design, code, and content are the intellectual property of their respective owners. You may use the tool for personal, non-commercial purposes.

9. Modifications

We reserve the right to modify, suspend, or discontinue the tool at any time without notice. We may also update these terms, with changes effective upon posting.

10. Governing Law

These terms are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India.