Financial Disclaimer

This Financial Disclaimer applies to traceloanss.com (the “Website”), operated by TraceLoanss (“TraceLoanss”, “we”, “us” or “our”), and to all calculators, content and information on it. Please read it before relying on anything you find on the Website.

Summary

Educational purposes only

All content on the Website, including our calculators, results, explanations and examples, is provided for general educational and informational purposes only. It is not financial, investment, legal, tax, credit or lending advice, and it is not a recommendation, offer or solicitation to take out, repay, refinance or change any loan or financial product.

The information on the Website is general in nature and does not take into account your personal financial situation, goals or needs.

We are not a lender

TraceLoanss is not a bank, lender, loan broker, credit counselor or financial advisor. We do not offer loans, collect loan applications, check credit or make lending decisions. Using our calculators does not create any customer, advisory or professional relationship between you and TraceLoanss, and it does not affect your credit score.

Calculator results are estimates

Our calculators produce estimates based only on the information you enter. The results — including monthly payments, total interest, payoff timelines, payment schedules and potential savings — are illustrations of possible outcomes, not guarantees or quotes.

Your actual results may differ because of factors such as your lender’s terms and calculation methods, fees and charges, taxes, insurance, changes in interest rates, the timing of your payments, and how your lender applies extra payments.

Assumptions our calculators make

To keep results simple and easy to understand, our calculators generally assume that:

• The interest rate you enter stays fixed for the whole repayment period;
• Interest is calculated monthly and payments are made once a month, on time;
• Any extra payment is applied directly to the outstanding balance;
• No new debt, missed payments, penalties or fees are added; and
• Taxes, registration, insurance and dealer or lender fees are excluded unless you include them in your inputs.

Each calculator page explains its specific inputs and method.

Accuracy of information

We work to keep the Website accurate and up to date, but we make no representations or warranties about the completeness, accuracy, reliability or suitability of any content or calculator result. Information may contain errors or become outdated, and we may change or remove content at any time without notice.

Consult a qualified professional

Before making any financial decision — such as taking out a loan, choosing a repayment plan, refinancing or consolidating debt — you should confirm figures directly with your lender and seek advice from a qualified professional, such as a licensed financial advisor, accountant, attorney or accredited credit counselor, who can review your individual circumstances.

Third-party content and ads

The Website may include links to third-party websites, and may display third-party advertisements. We do not endorse, guarantee or take responsibility for any third-party products, services, offers or content. Any decision to use a third-party product or service is your own, and you should review its terms carefully.

Your responsibility

You are solely responsible for how you use the information and results on the Website and for any decisions you make based on them. To the fullest extent permitted by law, TraceLoanss is not liable for any loss or damage arising from your use of, or reliance on, the Website or its calculators. For more details, please see our Terms of Use.

Contact us

If you notice an error or have questions about this disclaimer, please reach us through our Contact Us page.