Terms of Service

Last updated: December 2024

1. Acceptance of Terms

By accessing or using the Car Loan Repayment Calculator Australia website, you agree to comply with and be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.

2. Description of Service

Car Loan Repayment Calculator Australia provides a free online calculator tool that allows users to estimate car loan repayments based on loan amount, interest rate, loan term, and payment frequency. Our website also provides educational content about car financing in Australia through our blog and informational pages.

3. Not Financial Advice

Before making any financial decisions regarding car loans or other credit products, you should:

• Consult with a qualified financial advisor or licensed credit adviser
• Obtain official loan quotes from lenders
• Read all loan documentation carefully, including Product Disclosure Statements
• Consider your personal financial circumstances and objectives

4. Accuracy of Calculations

While we strive to ensure our calculator provides accurate estimates using standard amortization formulas, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any calculations or results. Actual loan terms, fees, and interest rates will vary between lenders and may include additional costs not reflected in our calculator.

Factors that may cause actual loan costs to differ from our estimates include:

• Establishment fees, ongoing fees, and early termination fees
• Different interest calculation methods used by lenders
• Changes in interest rates for variable rate loans
• Balloon payments or residual values
• Insurance and other add-on products

5. User Responsibilities

By using our website, you agree to:

• Use the calculator and website content for lawful purposes only
• Not attempt to interfere with the proper functioning of the website
• Not use any automated systems or software to extract data from the website
• Not reproduce, duplicate, or exploit any portion of the website for commercial purposes without our express written permission
• Verify all calculations with official sources before making financial decisions

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, calculator functionality, and software, is the property of Car Loan Repayment Calculator Australia or its content suppliers and is protected by Australian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from our website without prior written permission.

7. Third-Party Links and Advertising

Our website may contain links to third-party websites and advertisements. We do not endorse, control, or assume responsibility for any third-party content, products, or services. Clicking on third-party links is at your own risk, and you should review the terms and privacy policies of any external websites you visit.

8. Limitation of Liability

To the fullest extent permitted by law, Car Loan Repayment Calculator Australia and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of or inability to use the website or calculator
• Any errors or inaccuracies in the calculator results or website content
• Any financial decisions made based on information from this website
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the website

9. Indemnification

You agree to indemnify and hold harmless Car Loan Repayment Calculator Australia, its owners, operators, and contributors from any claims, damages, losses, or expenses arising from your use of the website or your violation of these Terms of Service.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes indicates your acceptance of the modified terms.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Australia. Any disputes arising from or relating to these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of Australia.

12. Contact Information

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

Email: cyis1000@gmail.com