Agreement to Terms

By accessing and using Land Calculator ("Site," "Service," "we," "our," or "us") at landcalculator.xyz, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

Description of Service

Land Calculator provides a free online tool for calculating land loan payments, interest, and amortization schedules. The Service includes:

• Land loan payment calculator
• Amortization schedule generator
• Educational content about land financing
• Frequently asked questions and guides

Use License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not:

• Modify, copy, or distribute the Site's content without permission
• Use the Site for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any portion of the Site
• Remove any copyright or proprietary notices
• Use automated systems to access the Site excessively
• Interfere with or disrupt the Site's functionality

Disclaimer of Warranties

IMPORTANT: The calculator and information provided on this Site are for informational and educational purposes only. We make no guarantees about accuracy, completeness, or reliability.

No Financial Advice

The Site does not provide financial, legal, or professional advice. The calculator results are estimates based on the information you provide. Actual loan terms, interest rates, and costs may differ significantly based on:

• Your credit score and financial history
• Lender requirements and policies
• Property characteristics and location
• Market conditions and interest rate changes
• Additional fees and charges

"As Is" Basis

The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability
• Continuous availability

Limitation of Liability

To the fullest extent permitted by law, Land Calculator and its operators, employees, and affiliates shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Financial losses resulting from use of the calculator
• Decisions made based on calculator results
• Errors, omissions, or inaccuracies in content
• Unauthorized access to or use of our servers
• Interruption or cessation of the Service

Indemnification

You agree to indemnify, defend, and hold harmless Land Calculator and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of another party
• Financial decisions made based on calculator results

Professional Consultation

Before making any financial decisions, you should:

• Consult with qualified financial advisors
• Speak with multiple lenders for accurate quotes
• Review all loan documents carefully
• Understand all terms, conditions, and fees
• Consider your complete financial situation

Accuracy of Information

While we strive to provide accurate information, we make no representations about:

• Current interest rates or market conditions
• Specific lender requirements
• Tax implications or deductions
• Legal requirements in your jurisdiction

You are responsible for verifying all information with appropriate professionals and institutions.

Third-Party Links

The Site may contain links to third-party websites. We are not responsible for:

• Content on external websites
• Privacy practices of linked sites
• Products or services offered by third parties
• Accuracy of external information

Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of Land Calculator or its content suppliers and is protected by copyright laws. You may not reproduce, distribute, or create derivative works without written permission.

User-Generated Content

If the Site allows you to submit content (such as comments or feedback), you grant us a non-exclusive, royalty-free, worldwide license to use, modify, and display such content. You represent that you have the right to submit such content and that it does not violate any laws or third-party rights.

Prohibited Uses

You may not use the Site to:

• Violate any local, state, national, or international law
• Transmit harmful code or malware
• Collect user information without consent
• Engage in unauthorized advertising or spam
• Impersonate any person or entity
• Interfere with site security features

Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice, for any reason, including violation of these Terms.

Changes to Service

We reserve the right to:

• Modify or discontinue the Service at any time
• Change features, functionality, or content
• Implement fees for previously free features (with notice)

Changes to Terms

We may update these Terms periodically. Changes will be effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms regularly.

Governing Law

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

Dispute Resolution

Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with applicable arbitration rules, rather than in court, except where prohibited by law.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Land Calculator regarding use of the Site.

Contact Information

If you have questions about these Terms, please contact us through our website.

Acknowledgment

By using Land Calculator, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms
• The calculator provides estimates only
• You will seek professional advice before making financial decisions
• You will not rely solely on calculator results
• You use the Site at your own risk