Terms of Use

Last updated: July 2026

By accessing and using FinToolKit, you agree to these Terms of Use. If you do not agree, please do not use the website.

1. Nature of the Service

FinToolKit provides a free, browser-based loan prepayment calculator for educational and informational purposes. We do not provide financial, legal or tax advice, and we do not sell, broker or recommend loans.

2. No Warranty of Accuracy

While the calculator uses the standard reducing-balance amortization method, results are estimates. Actual figures depend on your lender's specific terms, payment dates, fees and rate changes. Always verify with your lender before acting.

3. Limitation of Liability

FinToolKit and its operators are not liable for any losses or damages arising from the use of, or reliance on, information or calculations provided on this website.

4. Acceptable Use

You agree not to misuse the website, attempt to disrupt its operation, scrape content at abusive rates, or use it for any unlawful purpose.

5. Intellectual Property

All content, design and code on this website are owned by FinToolKit unless otherwise noted. You may link to and share our pages freely.

6. Changes

We may update these terms at any time. Continued use of the site after changes constitutes acceptance.

7. Contact

Questions? Visit our contact page.