Terms of Service & Privacy Policy

Last updated: January 2026

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Terms of Service

1. Acceptance of Terms

By accessing or using this Loan Payments Calculator website, you agree to be bound by these Terms of Service. If you do not agree with these terms, please discontinue use of the website.

2. Informational Use Only

This website and its calculator are provided for informational and educational purposes only. This website is not a lender, broker, or financial institution and does not offer loans or financing products. This website does not constitute financial, legal, or professional advice.

3. Accuracy Disclaimer

Calculator results are estimates based on user-provided data and standard loan amortization formulas. Actual loan terms may differ depending on lenders and individual circumstances.

4. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any loss, damage, or financial decision arising from the use of this website or calculator. Use of this website is at your own risk.

5. Governing Law & Jurisdiction

These Terms of Service shall be governed by and interpreted in accordance with the laws of the Republic of South Africa, without regard to conflict of law principles.

6. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the website constitutes acceptance of any updated terms.

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Privacy Policy

1. Information We Collect

This website does not require account registration and does not directly collect personally identifiable information such as names, email addresses, or phone numbers.

All loan and payment values entered into the calculator are processed locally within your browser and are not stored or transmitted to our servers.

2. Advertising & Google AdSense

This website may display advertisements served by Google AdSense and other third-party advertising partners.

Google and its partners may use cookies, including the DoubleClick cookie, to serve ads based on users’ visits to this and other websites. This allows for the display of advertisements relevant to user interests.

Users may opt out of personalized advertising by visiting Google’s Ads Settings.

3. Cookies

Third-party vendors may use cookies or similar technologies to measure ad performance and improve advertising relevance.

We do not control third-party cookies. You can choose to disable cookies through your browser settings.

By continuing to use this website, you consent to the use of cookies as described in this policy.

4. POPIA (South Africa) Compliance

In accordance with the Protection of Personal Information Act (POPIA), we are committed to protecting user privacy.

As this website does not collect or store personal information directly, there is minimal processing of personal data under POPIA. Any data processed by third-party advertisers is subject to their respective privacy policies.

5. GDPR & International Users

Users located in the European Economic Area (EEA) have rights under the General Data Protection Regulation (GDPR), including the right to access, correct, or erase personal data. As no personal data is stored by this website, these rights generally do not apply to calculator usage.

6. CCPA (California Privacy Rights)

California residents have rights regarding personal data collection and disclosure. Since we do not collect personal data directly, there is typically no data to disclose or delete.

7. Children’s Information

This website does not knowingly collect personal information from children under the age of 13. If you believe a child has provided personal data, please contact us so appropriate action can be taken. For privacy-related inquiries, please use the Contact Us page.

8. Consent

By using this website, you consent to this Privacy Policy and agree to its terms.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with a revised update date.

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