Terms of Use

Welcome to LoanPay Logic. These terms govern your use of the site and every calculator on it. By accessing this site you agree to these terms, so please read them. If you do not agree with any part of them, please stop using the site.

1. The service we provide

LoanPay Logic offers free, browser-based calculators and reference articles covering topics such as mortgages, retirement planning, Amazon FBA fees, shipping, conversions, and lifestyle estimates. The tools are provided for general information and planning purposes. They are not quotes, offers, or solicitations from any lender, provider, or institution, and no tool on this site will connect you to a lender or ask a third party to contact you.

2. Results are estimates

Every result produced by our calculators is an estimate based on the numbers you enter and the formulas and assumptions described on each page. Real-world outcomes depend on rates, fees, timing, tax rules, and other factors that change constantly and vary by location and institution. Do not make a financial, legal, or health decision on the strength of a calculator result alone. Please read our Disclaimer for details, and confirm important figures with a qualified professional before you act.

3. Acceptable use

You agree to use this site lawfully and not to attempt to disrupt it. In particular you must not try to overload, reverse engineer, or probe the infrastructure behind the site, scrape the tools at scale to resell them, or use the site in any way that could damage or impair it. Automated, high-volume use is not a service we provide, and we may restrict access if we see it.

4. Accuracy and availability

We work hard to keep the calculators accurate and the pages current, and we review and improve content on an ongoing basis. That said, we do not guarantee that every figure is error-free or that the site will be available at all times without interruption. The site and its content are provided on an as is and as available basis, without warranties of any kind, to the fullest extent permitted by law.

5. Intellectual property

The design, text, and code of LoanPay Logic belong to us or our licensors. You may use the calculators for your own personal and business planning, but you may not copy, redistribute, or republish the site content or tools for commercial purposes without permission.

6. Third-party links

Pages may link to external websites for reference. We do not control those sites and are not responsible for their content, products, or privacy practices. A link is not an endorsement, and your use of any third-party site is at your own risk.

7. Limitation of liability

To the maximum extent permitted by law, LoanPay Logic will not be liable for any loss or damage arising from your use of, or reliance on, the site, its tools, or the content on it, including decisions made based on calculator results. Because the tools are free and run on your own device, this limitation is a fair part of the bargain of using them.

8. Changes to these terms

We may update these terms as the site evolves. When we do, we will revise the date at the top of this page. Continued use of the site after changes take effect means you accept the updated terms.

9. Contact

If you have questions about these terms, please get in touch through our contact page. We are glad to clarify anything here.