Agreement to Terms

By accessing or using Credit Inspiration ("the Service"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.

Description of Service

Credit Inspiration is a free educational tool designed to help users analyze loan and credit product terms to identify potentially predatory lending practices. The Service provides:

• Loan analysis and financial calculations
• Comparison with market rate data
• Identification of red flags in loan terms
• Educational content about predatory lending

Educational Purpose Only

User Responsibilities

When using the Service, you agree to:

• Provide accurate information for loan analysis
• Use the Service for lawful purposes only
• Not attempt to harm, disrupt, or exploit the Service
• Consult with qualified financial professionals before making lending decisions
• Verify all calculations and assessments independently

Accuracy of Information

While we strive to provide accurate calculations and up-to-date market data, we make no warranties or guarantees regarding:

• The accuracy, completeness, or reliability of calculations
• The currency of market rate data
• The suitability of any loan for your specific circumstances

Market rates and lending standards vary by location, lender, and individual circumstances. Always verify loan terms directly with lenders.

Limitation of Liability

To the fullest extent permitted by law, Credit Inspiration and its operators shall not be liable for any:

• Decisions made based on information provided by the Service
• Financial losses resulting from loan agreements
• Errors or inaccuracies in calculations or assessments
• Service interruptions or technical issues
• Indirect, incidental, or consequential damages

No Professional Relationship

Use of this Service does not create a professional relationship between you and Credit Inspiration or its operators. We are not your financial advisor, attorney, or fiduciary.

Intellectual Property

The Service and its original content, features, and functionality are owned by Credit Inspiration and are protected by international copyright, trademark, and other intellectual property laws.

Third-Party Links

The Service may contain links to third-party websites or services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Service Availability

We provide the Service on an "as-is" and "as-available" basis. We reserve the right to modify, suspend, or discontinue the Service at any time without notice or liability.

Indemnification

You agree to indemnify and hold harmless Credit Inspiration and its operators from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by updating the "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the modified Terms.

Governing Law

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

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, and the remaining provisions shall remain in full force and effect.

Contact

If you have any questions about these Terms of Service, please contact us through the information provided on our website.