Terms of Service

Last updated: July 27, 2026

What UrCalc is

UrCalc provides free, browser-based calculators for mortgage, auto loan, and personal loan payments. By using this site, you agree to these terms.

Not financial advice

Every figure on this site is an educational estimate, not financial, tax, or lending advice. Actual rates, payments, taxes, insurance, and fees vary by lender, credit profile, and location. Always confirm final numbers with your lender or a licensed financial advisor before making a decision based on anything calculated here.

No warranty

UrCalc is provided "as is," without warranty of any kind. While we test our formulas carefully, we don't guarantee the calculators are error-free, uninterrupted, or fit for any particular purpose.

Limitation of liability

To the fullest extent permitted by law, UrCalc and its operators are not liable for any financial decision made using this site, or for any direct, indirect, or consequential loss arising from its use.

Advertising

This site may display advertising served by third parties, including Google AdSense. We don't control the content of individual ads. See our Privacy Policy for details on how advertising cookies work.

Acceptable use

You agree not to misuse the site — including attempting to disrupt its operation, scrape it at abusive volume, or use it for any unlawful purpose.

Changes

We may update these terms from time to time. Continued use of the site after changes means you accept the updated terms.

Contact

Questions about these terms can be sent to the contact address listed on our site.