Terms of Service

Agreement

By using emicalculatorus.com you agree to these terms. If you do not agree with them, please do not use the site.

What this site is

This site provides free, browser-based calculators that estimate loan payments, amortization schedules and related figures. It is an educational and planning tool. It is not a lender, broker, financial adviser, credit counsellor or tax adviser, and nothing on the site is an offer of credit or a recommendation to enter into any financial product.

Accuracy of results

The calculators apply the standard amortisation formula used across the lending industry. Results are estimates. Your actual payment will differ from ours whenever a lender applies its own conventions, rounding, compounding method, day-count basis, fees, or payment dates. Where our figure and a lender's figure disagree, the lender's figure governs your loan. Always confirm the final numbers with the lender or a qualified professional before making a decision.

No financial advice

Nothing on this site constitutes financial, investment, legal or tax advice, and no advisory relationship is created by your use of it. Rates, tax rules and loan programmes referenced in our guides change over time and vary by lender, state and country. You are responsible for verifying anything you rely on and for your own financial decisions.

Acceptable use

You agree not to:

• Scrape, mirror or republish the site's content or calculators as your own.
• Attempt to disrupt, overload or gain unauthorised access to the site or its infrastructure.
• Use the site for any unlawful purpose, or in a way that infringes the rights of others.
• Remove or obscure any copyright, attribution or disclaimer notices.

Intellectual property

The site's design, text, calculators and code are owned by us or our licensors and are protected by copyright. You may use the site for personal, non-commercial purposes. Any other use requires our prior written permission.

Third-party links

The site may link to third-party websites. We do not control them and are not responsible for their content, accuracy, or practices.

Disclaimer of warranties

The site is provided "as is" and "as available", without warranties of any kind, express or implied, including as to accuracy, fitness for a particular purpose, or uninterrupted availability.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, savings or data, arising out of or connected with your use of the site — including any decision made in reliance on a figure it produced.

Changes to these terms

We may update these terms from time to time. The version posted on this page at the time of your visit is the version that applies. Continued use of the site after a change constitutes acceptance of it.