Effective Date: January 1, 2025

1. Acceptance of Terms

By accessing or using FeratoSvero, you agree to these Terms of Service and our Privacy Policy.

2. Service Description

FeratoSvero provides a financial calculator tool that estimates the true cost of loans by incorporating various fees and calculating effective APR. This is an informational tool only, not financial advice.

3. User Responsibilities

You agree to:

• Use the calculator for personal, non-commercial purposes
• Provide accurate information when using the tool
• Not attempt to reverse engineer or disrupt our service

4. Limitations

Our calculator provides estimates based on standard financial formulas. Actual loan terms may vary based on lender policies, your creditworthiness, and other factors.

Financial Information Disclaimer

FeratoSvero's True Cost Loan Calculator provides estimates only. The results should not be construed as financial advice or a guarantee of loan terms. We are not a lender and do not make credit decisions.

Accuracy Disclaimer: While we strive for accuracy, we cannot guarantee that all calculations will be perfect for every situation. Loan terms vary by lender, and fees may change over time.

No Professional Advice: The information provided by this tool is for general informational purposes only. For specific financial advice regarding your situation, consult with a qualified financial advisor or loan officer.

Third-Party Links: Our website may contain links to third-party websites. We are not responsible for the content or accuracy of these external sites.