Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and CosmicRay ("Company," "we," "us," or "our") regarding your use of LoanCalculator.US (the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

We may modify these Terms at any time. Your continued use of the Service after any modifications indicates your acceptance of the updated Terms.

2. Description of Service

2.1 Service Overview

LoanCalculator.US provides free online loan calculation tools including but not limited to:

• Mortgage calculators
• Auto loan calculators
• Personal loan calculators
• Student loan calculators
• Business loan calculators
• Educational content and guides
• Current rate information

2.2 Educational Purpose

IMPORTANT: Our Service is provided for educational and informational purposes only. The calculations, estimates, and information provided are NOT financial advice and should not be relied upon as the sole basis for financial decisions.

2.3 No Financial Advisory Relationship

Using our Service does not create a financial advisor-client relationship, attorney-client relationship, or any other professional relationship between you and CosmicRay.

3. User Obligations and Responsibilities

3.1 Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to interfere with or disrupt the Service
• Use automated systems (bots, scrapers) to access the Service
• Reverse engineer or attempt to extract source code
• Misrepresent your identity or provide false information
• Violate any applicable laws or regulations

3.2 Professional Consultation

You acknowledge and agree that:

• You will consult with qualified financial professionals before making financial decisions
• You will verify all calculations independently
• You understand that actual loan terms may differ from calculated estimates
• You will not rely solely on our calculations for financial planning

3.3 Accurate Information

While we strive to provide accurate information, you are responsible for:

• Entering accurate data into our calculators
• Verifying the accuracy of results
• Understanding the limitations of estimated calculations
• Seeking professional advice for specific situations

4. Prohibited Uses

You may not use our Service:

• For any commercial purpose without our express written consent
• To provide financial advice to third parties
• In any way that could damage or impair the Service
• To transmit any harmful, offensive, or illegal content
• To violate any person's privacy or intellectual property rights
• For any purpose that we determine, in our sole discretion, to be inappropriate

5. Intellectual Property Rights

5.1 Our Content

The Service and its content, including but not limited to text, graphics, images, logos, calculators, and software, are owned by CosmicRay and are protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes only.

5.3 Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our Service
• Remove or alter any copyright or proprietary notices

6. Disclaimers

6.1 Service Provided "As Is"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

6.2 No Guarantee of Accuracy

While we strive to provide accurate calculations, WE DO NOT WARRANT OR GUARANTEE:

• The accuracy, completeness, or reliability of any calculations
• That the Service will meet your specific requirements
• That the Service will be uninterrupted or error-free
• That defects will be corrected

6.3 Market Conditions

Interest rates, lending practices, and financial markets change constantly. Our calculations and rate information may not reflect current market conditions or the terms actually available to you.

6.4 Individual Circumstances

Our calculators cannot account for all individual circumstances, credit conditions, or lender-specific requirements that may affect your actual loan terms.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COSMICRAY SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR USE
• BUSINESS INTERRUPTION OR FINANCIAL LOSSES
• DAMAGES ARISING FROM RELIANCE ON OUR CALCULATIONS OR INFORMATION

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID TO USE THE SERVICE (IF ANY), WHICHEVER IS LESS.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

8. Indemnification

You agree to indemnify, defend, and hold harmless CosmicRay and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third party's rights
• Any financial decisions made based on information from our Service

9. Service Modifications and Availability

9.1 Right to Modify

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also impose limits on certain features or restrict access to parts of the Service.

9.2 No Guaranteed Uptime

While we strive to maintain reliable service, we do not guarantee that the Service will be available at all times. The Service may be unavailable due to maintenance, technical issues, or other factors beyond our control.

9.3 Updates and Improvements

We may update our calculators, add new features, or improve existing functionality without prior notice. We will make reasonable efforts to maintain compatibility and user experience.

10. Termination

10.1 Termination by You

You may stop using the Service at any time. Since no account registration is required, simply discontinuing use constitutes termination.

10.2 Termination by Us

We may terminate or restrict your access to the Service immediately, without prior notice, if you violate these Terms or for any other reason we deem appropriate.

10.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Sections of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and indemnification provisions.

11. Governing Law and Jurisdiction

11.1 Applicable Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to conflict of law principles.

11.2 Jurisdiction

Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Delaware, and you hereby consent to personal jurisdiction and venue therein.

12. Dispute Resolution

12.1 Informal Resolution

Before filing any formal legal action, you agree to first contact us at CosmicRayDev@outlook.com to attempt to resolve any dispute informally.

12.2 Arbitration

If informal resolution fails, any dispute arising from these Terms or the Service shall be resolved through binding arbitration under the rules of the American Arbitration Association, except for claims that may be brought in small claims court.

12.3 Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted only on an individual basis and not as a class action, collective action, or representative action.

13. General Provisions

13.1 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

13.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CosmicRay regarding the Service.

13.3 No Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of such provision or any other provision.

13.4 Assignment

You may not assign your rights under these Terms. We may assign our rights and obligations under these Terms without your consent.