Terms of Service

1. Acceptance of Terms

By accessing and using SmartCalci.com, you agree to comply with and be bound by the following terms and conditions. If you do not agree to these terms, please do not use our website or tools.

2. Use of Calculators

The calculators and tools provided by SmartCalci are for informational and educational purposes only. While we strive for accuracy, calculations are estimates and do not constitute a guarantee of loan approval, interest rates, or final payment amounts from any financial institution.

3. No Financial Advice

SmartCalci is not a financial lender, broker, or advisor. The information provided on this site does not constitute financial, legal, or tax advice. We strongly recommend consulting with a qualified financial professional before making any significant financial decisions.

4. Intellectual Property

All content, including the design, code, logic, and branding of SmartCalci, is the intellectual property of SmartCalci Financial. You may not reproduce, distribute, or modify any part of this site without prior written consent.

5. Limitation of Liability

SmartCalci shall not be held liable for any damages or losses resulting from the use or inability to use our tools, or from any errors or omissions in the calculations provided.

6. Third-Party Links & Advertisements

Our website may contain links to third-party websites or advertisements (including Google AdSense). We do not control and are not responsible for the content or privacy practices of these third-party sites.

7. Changes to Terms

We reserve the right to modify these terms at any time. Your continued use of the site after changes are posted constitutes your acceptance of the new terms.