Terms of Service

1. Acceptance of Terms

By accessing or using the CarCalcPro website and tools (the "Service"), you agree to be bound by these Terms of Service (the "Terms"). If you do not agree, do not use the Service.

2. Description of Service

CarCalcPro provides free educational auto finance calculators and related information. Our Service includes:

• Auto loan payment calculators
• Lease payment calculators
• Refinancing calculators
• Car affordability calculators
• Educational content about auto financing
• Educational information about auto financing and loan shopping
• Sample rates from affiliate lenders (for informational purposes only)

3. Educational Purpose Only

IMPORTANT: Our calculators and content are provided for educational and informational purposes only. They are not financial, legal, or tax advice. Results are estimates based on the information you provide and assumptions noted on the site.

Actual loan terms, rates, payments, and costs will vary based on:

• Your credit profile and history
• Lender requirements and policies
• Vehicle age, mileage, and condition
• Market conditions and interest rates
• Additional fees and charges
• State and local regulations

4. Not a Lender or Broker

CarCalcPro is NOT a lender, broker, or financial institution. We do not:

• Make loans or provide financing
• Guarantee loan approval or specific terms
• Negotiate on your behalf with lenders
• Provide personalized financial advice
• Have access to your credit report or financial information

5. Eligibility and Geographic Restrictions

The Service is intended for users who are at least 13 years old (or the age of digital consent in your jurisdiction). Access to partner offers may be limited by geography and provider eligibility. We do not guarantee availability of any partner offers in any jurisdiction.

6. User Responsibilities

When using our service, you agree to:

• Provide accurate information for calculations
• Use the service only for lawful purposes
• Not attempt to circumvent or disable any security features
• Respect our intellectual property rights
• Not use automated systems to scrape, crawl, or access our calculators at scale
• Understand that results are estimates only

7. Privacy and Data

We respect your privacy and do not collect personal financial information from our calculators. All calculations are performed locally in your browser. However, we do use display ads and traffic/visitor analytics which collect general website usage data. For complete details about our data practices, please review our Privacy Policy.

8. Advertising and Affiliate Relationships

We may display advertising from third-party ad networks (e.g., Google AdSense or similar) and may earn affiliate commissions when you click through to affiliate lenders or other third-party services from our site. These relationships:

• Do not affect our calculator results or accuracy
• Do not influence the educational content we provide
• Are disclosed transparently throughout our site and in our Affiliate Disclosure
• Help us keep our tools free for everyone

9. Disclaimer of Warranties

OUR SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
• ACCURACY OR COMPLETENESS OF INFORMATION
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OR FREEDOM FROM VIRUSES

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARCALCPRO SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Use or inability to use our service
• Reliance on calculator results or content
• Financial decisions made based on our information
• Interactions with third-party lenders
• Technical problems or service interruptions

11. Third-Party Links

Our site may contain links to third-party websites or services. We are not responsible for:

• The content or privacy practices of linked sites
• The accuracy of information on partner sites
• Any transactions you may have with third parties
• The terms and conditions of third-party services

12. Intellectual Property

All content on CarCalcPro, including calculators, design, text, graphics, and software, is owned by us or our licensors and protected by copyright and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our calculators for commercial purposes
• Reverse engineer our software or algorithms
• Remove copyright or other proprietary notices

13. Modifications to Terms

We reserve the right to modify these terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of our service after any modifications constitutes acceptance of the new terms.

14. Governing Law; Venue

These Terms are governed by the laws of the State of New York and the United States, without regard to conflict of law rules. Any disputes arising under these Terms shall be brought exclusively in the state or federal courts located in New York, New York, and you consent to jurisdiction and venue there.

15. Indemnification

You agree to indemnify and hold CarCalcPro and its affiliates harmless from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your use of the Service or violation of these Terms.

16. Termination

We may suspend or terminate access to the Service at any time if we believe you have violated these Terms or used the Service in a manner that could cause us legal liability.

17. Export and Compliance

You must comply with all applicable laws, including export control and sanctions laws, when using the Service.

18. Contact Information

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

Email: kushnerdigital@gmail.com

You can also reach us through our contact form.