Terms of Service

1. Acceptance of Terms

By accessing and using Construction Loan Calculator Pro ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

Construction Loan Calculator Pro provides online financial calculators and educational content related to construction loans, permanent loan conversion, and construction cost estimation. Our services include:

• Construction loan payment calculators
• Permanent loan conversion calculators
• Construction cost estimation tools
• Educational content and guides
• Interest rate information

3. User Responsibilities

You agree to:

• Provide accurate and complete information when using our calculators
• Use the Service only for lawful purposes
• Not attempt to disrupt or interfere with the Service
• Not use automated systems to access the Service without permission
• Comply with all applicable laws and regulations
• Protect your account credentials if you create an account

4. Prohibited Activities

You may not:

• Use the Service for any illegal or unauthorized purpose
• Transmit viruses or malicious code
• Attempt to gain unauthorized access to our systems
• Reproduce, duplicate, or copy the Service without permission
• Misrepresent your identity or affiliation
• Engage in fraudulent activities

5. Disclaimer of Warranties

The calculators and information provided are for educational purposes only and should not be considered financial advice. We provide the Service "as is" without warranties of any kind, either express or implied.

6. Limitation of Liability

To the maximum extent permitted by law, Construction Loan Calculator Pro shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses resulting from your use of the Service.

7. Payment and Billing

Some features of our Service may require payment. When you make a purchase:

• You agree to provide accurate billing information
• Payments are processed securely through our payment provider (Creem.io)
• You are responsible for keeping your billing information up to date
• Fees are non-refundable except as stated in our Refund Policy

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Construction Loan Calculator Pro and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

9. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms of Service.

11. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any changes by posting the new Terms of Service on this page and updating the "Last Updated" date.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where our business operates, without regard to conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us: