Terms of Service

1. Acceptance of Terms

By accessing and using SBA Calculators ("we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

SBA Calculators provides free online calculators and tools to help small business owners:

• Estimate SBA loan payments and costs
• Check potential SBA loan eligibility
• Compare different SBA loan options
• Connect with qualified SBA lenders
• Access educational content about SBA financing

3. Calculator Accuracy and Disclaimers

Accuracy Limitations

• Calculations are based on standard formulas and general rate information
• Actual rates and terms vary by lender, borrower qualifications, and market conditions
• SBA guidelines and programs change periodically
• Your specific situation may affect loan options and terms

Not Financial Advice

Our calculators and content do not constitute financial, legal, or professional advice. Always consult with qualified professionals and lenders for personalized guidance regarding your specific situation.

4. User Responsibilities

As a user of our service, you agree to:

• Provide accurate information when using our calculators and forms
• Use our service for lawful purposes only
• Not attempt to interfere with or disrupt our website's operation
• Not use automated systems to access our site excessively
• Respect the intellectual property rights of our content
• Not misrepresent yourself or your business information

5. Lender Connections

When you request to connect with lenders through our service:

• We share your information with qualified SBA lenders who may contact you
• We do not guarantee loan approval or specific terms
• Each lender has their own application process and requirements
• You are free to work with any lender of your choice
• We may receive compensation from lenders, but this does not affect our calculator accuracy

6. Intellectual Property

The content, calculators, design, and functionality of SBA Calculators are protected by intellectual property laws:

• All content is owned by SBA Calculators or our licensors
• You may use our calculators for personal business planning
• You may not copy, reproduce, or redistribute our content without permission
• SBA Calculators and related trademarks are our property

7. Limitation of Liability

To the fullest extent permitted by law:

• We disclaim all warranties, express or implied
• We are not liable for any direct, indirect, or consequential damages
• We are not responsible for loan denials or unfavorable terms
• Our total liability is limited to $100 or the amount you paid us (whichever is less)
• We are not liable for third-party actions, including lender decisions

8. Privacy

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these terms by reference.

9. Modifications to Service

We reserve the right to:

• Modify or discontinue our service at any time
• Update our calculators and their methodologies
• Change these terms (with notice)
• Restrict access to certain features or users

10. Termination

We may terminate or suspend your access to our service immediately, without prior notice, for any reason, including if you breach these Terms of Service. You may stop using our service at any time.

11. Governing Law

These terms are governed by and construed in accordance with the laws of the United States and the state where our business is located, without regard to conflict of law principles. Any disputes will be resolved in the courts of competent jurisdiction in that location.

12. Severability

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

13. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes by posting the updated terms on our website and updating the "Last updated" date. Your continued use constitutes acceptance of the new terms.

14. Contact Information

If you have questions about these Terms of Service, please contact us: