Terms of Service
Important Notice
CommerceCalc provides educational financial calculators. Always consult with qualified financial advisors for personal financial decisions.
Last updated: August 2025
Agreement to Terms
By accessing and using CommerceCalc ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.
CommerceCalc is operated by FinanceCalcs ("us", "we", or "our"). We provide free financial calculation tools designed to help users make informed financial decisions.
Service Description
What We Provide
Free financial calculators (mortgage, car loan, personal loan)
Educational financial information and guidance
Mobile-optimized, secure calculation tools
Privacy-focused service with no user registration required
Service Availability
We strive to maintain 99.9% uptime but cannot guarantee uninterrupted service. The Service is provided "as is" and may be updated or modified without notice.
Acceptable Use
✓ You May
Use our calculators for personal financial planning
Share results with financial advisors or family
Access the service from multiple devices
✗ You May Not
Attempt to reverse engineer or copy our algorithms
Use automated tools to scrape or overload our servers
Redistribute or resell our service without permission
Use the service for any illegal or harmful purposes
Educational Purpose & Limitations
Our calculators are educational tools designed to provide estimates and general guidance. They are not substitutes for professional financial advice.
Calculation Accuracy
While we strive for accuracy, our calculations are estimates based on the information you provide. Actual loan terms, interest rates, and payments may vary based on lender policies, creditworthiness, and market conditions.
No Financial Advice
CommerceCalc does not provide financial, investment, or legal advice. Always consult with qualified professionals before making significant financial decisions.
Limitation of Liability
To the maximum extent permitted by law, CommerceCalc shall not be liable for:
• Financial decisions made based on our calculations
• Any direct, indirect, or consequential damages
• Loss of profits, data, or business opportunities
• Inaccuracies in third-party interest rates or terms
Our total liability, if any, shall not exceed the amount you paid to use our service (which is $0 for our free tools).
Termination
We may terminate or suspend your access to the Service immediately, without prior notice, if you breach these Terms.
You may stop using the Service at any time. Since we don't store personal data, there's no account deletion process required.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service constitutes acceptance of the modified terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of British Columbia, Canada, without regard to conflict of law principles.
Contact Information
If you have questions about these Terms of Service, please contact us through our support channels.