Terms and Conditions

Last Updated: November 18, 2026

Agreement to Terms

Welcome to NCSECU Loan Calculator. These Terms and Conditions constitute a legally binding agreement between you and NCSECU Loan Calculator regarding your use of our website and services.

By accessing or using our website, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access the website or use our services.

Use of Our Services

Eligibility

You must be at least 18 years of age to use our services. By using this website, you represent and warrant that you are of legal age to form a binding contract.

License to Use

We grant you a limited, non-exclusive, non-transferable, and revocable license to use our website and calculators for personal, non-commercial purposes. You may not:

  • Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or services obtained from this website
  • Use the website for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to any portion of the website or any systems or networks connected to the website
  • Use any automated system, including robots, spiders, or scrapers, to access the website
  • Interfere with or disrupt the website or servers or networks connected to the website

User Responsibilities

When using our calculators and services, you agree to:

  • Provide accurate and complete information
  • Maintain the security of your account (if applicable)
  • Notify us immediately of any unauthorized use of your account
  • Use the calculators and information for lawful purposes only
  • Not transmit any harmful code, viruses, or malicious software

Intellectual Property Rights

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are owned by NCSECU Loan Calculator, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, 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, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
  • You may store files that are automatically cached by your web browser for display enhancement purposes
  • You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use

Calculator Accuracy and Limitations

Our loan calculators are designed to provide estimates based on the information you provide. However:

  • Results are approximations and should not be considered as exact financial advice
  • Actual loan terms, interest rates, and payments may differ from calculator results
  • Calculators do not account for all possible fees, charges, or individual circumstances
  • We do not guarantee the accuracy, completeness, or reliability of calculator results
  • Calculator results should be verified with qualified financial professionals before making any financial decisions

Disclaimer of Warranties

Your use of the website and our services is at your sole risk. The website and services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied.

We do not warrant that:

  • The website will function uninterrupted, secure, or available at any particular time or location
  • Any errors or defects will be corrected
  • The website is free of viruses or other harmful components
  • The results of using the website will meet your requirements

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall NCSECU Loan Calculator, its affiliates, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the website
  • Any conduct or content of any third party on the website
  • Any content obtained from the website
  • Unauthorized access, use, or alteration of your transmissions or content
  • Financial decisions made based on calculator results

Our total liability to you for all claims arising from or related to the website shall not exceed the amount you paid us to use the website (if any) or $100, whichever is less.

Indemnification

You agree to defend, indemnify, and hold harmless NCSECU Loan Calculator and its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of the website.

Third-Party Links and Content

The website may contain links to third-party websites or services that are not owned or controlled by NCSECU Loan Calculator. 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, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

Modifications to Terms

We reserve the right to modify or replace these Terms and Conditions 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.

By continuing to access or use our website after revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the website.

Termination

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

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

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms and Conditions or your use of the website shall be resolved exclusively in the courts located in the United States, and you consent to the personal jurisdiction of such courts.

Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on the website, constitute the entire agreement between you and NCSECU Loan Calculator regarding your use of the website.

Contact Information

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

Related Policies

Please also review our other policies: