1. Acceptance of Terms

Welcome to LoanSparks. These Terms of Use (“Terms”) govern your use of our website and financial calculation services provided by LoanSparks (“we,” “our,” or “us”). By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our services. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Description of Services

LoanSparks provides free online financial calculators and tools, including but not limited to:

  • EMI (Equated Monthly Installment) Calculator
  • SIP (Systematic Investment Plan) Calculator
  • Currency Converter
  • Related financial planning tools and resources

Our services are provided “as is” and are intended for informational and educational purposes only.

3. User Responsibilities

By using our services, you agree to:

  • Use our services in compliance with all applicable laws and regulations
  • Provide accurate information when using our calculators
  • Not use our services for any unlawful or prohibited purpose
  • Not attempt to gain unauthorized access to our systems
  • Not interfere with or disrupt our services
  • Not transmit any harmful or malicious code
  • Respect intellectual property rights

4. Disclaimer of Warranties

IMPORTANT: Our financial calculators and tools are provided for informational purposes only and should not be considered as professional financial advice. You acknowledge and agree that:

  • All calculations are estimates based on the information you provide
  • Actual results may vary due to market conditions, regulatory changes, and other factors
  • We do not guarantee the accuracy, completeness, or reliability of any calculations
  • You should consult with qualified financial professionals before making financial decisions
  • We are not liable for any financial losses resulting from the use of our tools

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LoanSparks SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).

6. Financial Advice Disclaimer

WE ARE NOT FINANCIAL ADVISORS: The information and calculations provided on our website are for educational and informational purposes only and do not constitute financial, investment, tax, or legal advice.

You should:

  • Consult with qualified financial advisors before making investment decisions
  • Verify all calculations independently
  • Consider your personal financial situation and risk tolerance
  • Review current interest rates and terms with financial institutions
  • Understand that past performance does not guarantee future results

7. Intellectual Property Rights

All content, features, and functionality on our website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the overall design, are owned by LoanSparks or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by LoanSparks. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.

9. User Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

We do not store your financial calculation inputs on our servers. All calculations are performed client-side in your browser for your privacy and security.

10. Prohibited Uses

You may not use our services:

  • For any unlawful purpose or to solicit others to perform unlawful acts
  • To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • To infringe upon or violate our intellectual property rights or the intellectual property rights of others
  • To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
  • To submit false or misleading information
  • To upload or transmit viruses or any other type of malicious code
  • To collect or track personal information of others
  • To spam, phish, pharm, pretext, spider, crawl, or scrape
  • For any obscene or immoral purpose
  • To interfere with or circumvent security features of our services

11. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use our services will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and liability limitations.

12. Governing Law

These Terms shall be interpreted and governed by the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of competent jurisdiction.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

Your continued use of our services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using our services.

14. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

15. Contact Information

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

Email: legal@loansparks.com

Phone: +1 512-240-5513

Address: NY, USA