Terms of Use

These Terms of Use (“Terms”) govern your access to and use of traceloanss.com (the “Website”), operated by TraceLoanss (“TraceLoanss”, “we”, “us” or “our”). Please read them carefully before using the Website.

Summary

This summary is for convenience only. The full Terms below apply.

Acceptance of these terms

By accessing or using the Website, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Website.

About the Website

TraceLoanss provides free online calculators and related information about debt and loans, including a Debt Payoff Calculator and an Auto Loan Calculator. You do not need an account to use the Website. We may add, change or remove tools and content at any time.

No financial advice

The Website provides general educational information and calculator estimates only. Nothing on the Website is financial, investment, legal, tax, credit or lending advice, or a recommendation to take any particular action.

TraceLoanss is not a lender, broker or financial advisor. We do not offer loans, review applications or make lending decisions. Before making important financial decisions, you should consult a qualified professional who can consider your individual circumstances. Please also read our Financial Disclaimer.

Calculator results are estimates

Calculator results are based solely on the information you enter and on simplified assumptions, such as a fixed interest rate and regular monthly payments. They do not include every factor that may apply to a real loan, such as fees, taxes, insurance, changes in interest rates, payment timing or your lender’s specific calculation methods.

As a result, actual payments, interest, repayment dates and totals may differ from the estimates shown. You are responsible for verifying any figures with your lender or a qualified professional before relying on them.

Acceptable use

You agree to use the Website only for lawful purposes. You agree not to:

• Use the Website in a way that violates any applicable law or regulation;
• Attempt to gain unauthorized access to the Website, its servers or related systems;
• Interfere with or disrupt the Website, including by introducing malicious code or overloading it;
• Use automated tools to scrape, copy or collect content from the Website without our permission; or
• Present the Website’s content or results as your own professional advice or as an official offer from a lender.

Intellectual property

The Website and its content — including text, design, graphics, logos and code — are owned by TraceLoanss or its licensors and are protected by applicable intellectual property laws. You may view and use the Website for your personal, non-commercial use. You may not copy, reproduce, modify, distribute or republish any part of the Website without our prior written permission, except as allowed by law.

Third-party links and services

The Website may contain links to, or content from, third-party websites and services. We do not control and are not responsible for their content, products, services or privacy practices. Your use of any third-party website or service is at your own risk and subject to that third party’s terms.

Disclaimer of warranties

The Website and all content and tools are provided “as is” and “as available”, without warranties of any kind, whether express or implied, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose or non-infringement. We do not guarantee that the Website will be uninterrupted, secure or error-free, or that any results will be accurate or meet your needs.

Limitation of liability

To the fullest extent permitted by law, TraceLoanss and its owners, operators and contributors will not be liable for any direct, indirect, incidental, special, consequential or punitive damages, or any loss of money, profits, data or opportunities, arising out of or related to your use of, or inability to use, the Website or reliance on any content or calculator result.

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. In those cases, our liability is limited to the fullest extent permitted by law.

Indemnification

You agree to indemnify and hold harmless TraceLoanss and its owners, operators and contributors from any claims, losses or expenses (including reasonable legal fees) arising from your misuse of the Website or your violation of these Terms.

Changes to the Website and terms

We may modify, suspend or discontinue any part of the Website at any time without notice. We may also update these Terms from time to time. When we do, we will change the “Last updated” date at the top of this page. Your continued use of the Website after changes are posted means you accept the updated Terms.

General

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any right or provision is not a waiver of that right or provision. These Terms, together with our Privacy Policy and Financial Disclaimer, are the entire agreement between you and TraceLoanss regarding the Website.

Contact us

If you have questions about these Terms, please reach us through our Contact Us page.