Terms of Service

1. Acceptance of Terms

By accessing and using the homeloancalculator.fr website (hereinafter "the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Service Description

HomeLoanCalculator.fr is a free calculation tool that allows you to estimate:

• Mortgage monthly payments
• Total interest cost
• Estimated notary fees (France)
• Borrower insurance cost
• A detailed amortization schedule

The Service is provided for informational purposes only and does not constitute professional financial advice, a credit offer, or a contractual commitment.

3. Authorized Use

3.1 Personal Use

The Service is intended for personal, non-commercial use. You are authorized to:

• Use the calculator for your personal real estate projects
• View and download results for your private use
• Export amortization tables in CSV format

3.2 Prohibited Uses

It is strictly prohibited to:

• Use the Service for commercial purposes without prior written authorization
• Copy, reproduce, or redistribute the source code or site content
• Use robots, scrapers, or any automated system to extract data
• Attempt to circumvent the site's security measures
• Use the Service to provide professional financial advice to third parties
• Embed the calculator in other websites (iframe) without authorization

4. Warnings and Limitations

4.1 Indicative Nature

The calculated amounts are indicative and non-contractual. Actual figures may vary significantly depending on numerous factors.

4.2 Notary Fees

Notary fees are estimated at approximately 8% for existing properties and 2.5% for new builds. These percentages are national averages and may vary according to:

• Property location (department)
• Property price
• Specific tax exemptions
• Transaction complexity

4.3 Borrower Insurance

The insurance rate applied in the calculation is indicative. The actual rate will depend on your age, health, profession, and level of coverage chosen. Rates can vary considerably between insurers.

5. Obligation to Consult a Professional

6. Limitation of Liability

6.1 Disclaimer of Warranties

The Service is provided "as is" and "as available", without any warranty of any kind, express or implied, particularly regarding:

• Accuracy of calculations
• Fitness for a particular purpose
• Continuous availability of the Service
• Absence of errors or bugs

6.2 Limitation of Liability for Damages

To the fullest extent permitted by law, Populosoft EOOD shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from:

• Use or inability to use the Service
• Errors in calculations or estimates
• Financial decisions made based on the results provided
• Financial losses resulting from use of the Service
• Interruption or cessation of the Service

6.3 Third-Party Liability

We are not responsible for the content, privacy policies, or practices of third-party services (particularly Google AdSense) integrated into the site.

7. Intellectual Property

All intellectual property rights relating to the Service (source code, design, content, trademarks) are the exclusive property of Populosoft EOOD.

Use of the Service does not confer any intellectual property rights in the Service or its content.

8. Data Protection

The use of your personal data is governed by ourPrivacy Policy. By using the Service, you consent to this policy.

9. Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue all or part of the Service at any time
• Modify these Terms of Service
• Add or remove features

Changes to the Terms of Service will take effect upon publication on this page. Continued use of the Service after changes constitutes your acceptance of the new terms.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms of Service.

11. Governing Law

These Terms of Service are governed by and construed in accordance with French law.

Any disputes relating to these terms shall be subject to the exclusive jurisdiction of the French courts.

12. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall remain in full force to the fullest extent permitted by law.

13. Contact

For any questions regarding these Terms of Service, contact us:

[email protected]