Welcome to Loanyzer! These Terms of Use ("Terms") govern the access and use of the website - https://www.loanyzer.com - and its services ("Services"). By using Loanyzer, you accept these Terms in full. If you do not agree, please do not use the site.
Definitions
Loanyzer: Refers to the website loanyzer.com and its financial simulation services.
User: An individual or legal entity that accesses or uses Loanyzer.
Services: Financial simulation and comparison tools offered by the website.
Content: Texts, calculators, designs, and information available on Loanyzer.
Description of Services
Loanyzer is a free online platform that provides financial simulation tools, such as calculators for car loans, mortgages, personal financing, and many others, along with informative content.
Our goal is to assist users in understanding financial options in an educational manner. We are not a financial institution, do not grant loans, nor mediate financial transactions.
Access to the Site
Pursuant to these Terms. Loanyzer grants you a non-transferable, non-exclusive, revocable, and limited license to access the site solely for your personal, non-commercial use.
Specific Restrictions. The rights granted to you by these Terms are subject to the following restrictions:
(a) you shall not sell, rent, lease, transfer, assign, distribute, host, or commercially exploit the site;
(b) you shall not modify, create derivative works, disassemble, reverse engineer, or engineer any part of the site;
(c) you shall not access the site to build a similar or competitive website; and
(d) except as expressly stated herein, no part of the site may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means, unless otherwise indicated, any future release, update, or other addition to the site’s functionality shall be subject to these Terms. All copyright and other proprietary notices on the site must be retained on all copies.
Except for user content you may provide, you acknowledge that all intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the site and its content are owned by the company or its affiliated suppliers.
Eligibility
To use Loanyzer, you must:
(a) Be at least 18 years old or the minimum legal age in your jurisdiction.
(b) Provide true and accurate data when requested (e.g., registration or contact forms).
(c) Not be prohibited from accessing online services by law or judicial decision.
Conditions of Use
You may use Loanyzer to perform personal financial simulations and access educational information.
You may not:
(a) Use the site for illegal, fraudulent purposes or to violate third-party rights.
(b) Copy, reproduce, sell, or commercially exploit our Content without written permission.
(c) Send spam, perform cyberattacks, or interfere with the site’s operation.
(d) Create fake accounts or use Loanyzer for deceptive activities.
User Accounts
If you create an account:
(a) You are responsible for safeguarding your password and all activities performed under your account.
(b) You must notify us immediately of any unauthorized access.
(c) We may suspend or terminate your account for violating these Terms or for legal reasons.
Intellectual Property
All Loanyzer Content (texts, tools, logos, designs) is protected by copyright laws and belongs to Loanyzer or its licensors. You are permitted to use it for personal, non-commercial purposes. Any reproduction, modification, or distribution without express authorization is prohibited.
User Content
If you submit information to Loanyzer (e.g., via forms or contact), you grant Loanyzer a non-exclusive license to use, store, and process such data as necessary for the Services.
(a) You must not submit illegal, offensive content or content that infringes third-party rights.
(b) We may remove or refuse your content at our discretion.
Third-Party Links and Ads
Third-Party Links and Ads. The site may contain links to third-party websites and services and/or display third-party advertisements. Such Third-Party Links and Ads are not under the company’s control, and we are not responsible for any Third-Party Links and Ads. Third-Party Ads are not reviewed, approved, monitored, or endorsed by Loanyzer.
Cookies and Web Beacons. The site uses cookies to enhance user navigation, storing information such as visitor preferences. This data is used to optimize user experience by personalizing our webpage content based on visitors’ browser types and/or other information.
Google DoubleClick DART Cookie. Google, a third-party vendor on our site, uses cookies known as DART cookies to serve ads to our site visitors based on their visits here and other sites on the internet. However, visitors may opt out of DART cookie use by visiting Google’s ad network Privacy Policy at the following URL - https://policies.google.com/technologies/ads
Our Advertising Partners. Some advertisers on our site may use cookies and web beacons. Our advertising partners are listed below. Each has its own Privacy Policy regarding user data. For easier access, we’ve linked their Privacy Policies below.
Warranties and Disclaimer
Loanyzer is provided "as is" and "as available." Our content suppliers disclaim all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement.
We and our suppliers do not guarantee that the site will meet your requirements, be available uninterrupted, timely, secure, or error-free, or be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe. If applicable law requires any warranties regarding the site, all such warranties are limited to ninety (90) days from the date of first use.
YOU UNDERSTAND AND AGREE THAT ACCESS TO THE SITE (INCLUDING DOWNLOADING OR OBTAINING MATERIALS) OR USE OF THE SITE IS AT YOUR OWN RISK. YOU AGREE THAT NO ADVICE OR INFORMATION, ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THE SITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.
Limitation of Liability
Loanyzer, its owners, and affiliates shall not be liable for:
(a) Financial decisions or losses resulting from the use of the site or its simulations.
(b) Direct, indirect, or incidental damages caused by service failures or misuse.
(c) Inaccurate information, as detailed in the Disclaimer.
Indemnification
You agree to indemnify and hold Loanyzer harmless from any claims, losses, or damages arising from your misuse of the site or violation of these Terms.
Termination of Access
We may suspend or terminate your access to Loanyzer immediately, without prior notice, if:
(a) You violate these Terms or applicable laws.
(b) Your use compromises the site’s security or operation.
(c) There is bankruptcy, a court order, or technical necessity.
Upon termination, your data may be deleted, except where legally required.
Changes to the Terms
We may update these Terms at any time. The updated version will be posted on this page, and your continued use of the site after changes implies acceptance of the new conditions.
Governing Law and Jurisdiction
These Terms are governed by the laws of Brazil. Any disputes shall be resolved in the courts of São Paulo, SP - Brazil, unless otherwise required by law.
Copyright Policy
Loanyzer respects the intellectual property rights of others and requests that users of our site do the same. We have adopted and implemented a copyright policy that provides for the removal of infringing materials and termination of users of our online site who are repeat infringers of intellectual property rights, including copyrights.
If you believe that one of our users is unlawfully infringing the copyright of a work through the use of our site and wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to 17 U.S.C. § 512(c)) must be provided to our designated Copyright Agent:
- 1. your physical or electronic signature;
- 2. identification of the copyrighted work(s) you claim have been infringed;
- 3. identification of the material on our services you claim is infringing and that you request us to remove;
- 4. sufficient information to permit us to locate such material;
- 5. your address, telephone number, and email address;
- 6. a statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or the law; and
- 7. a statement that the information in the notification is accurate, and under penalty of perjury, that you are the copyright owner of the allegedly infringed work or are authorized to act on behalf of the copyright owner.
Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact in a written notification automatically subjects the complaining party to liability for any damages, costs, and attorney’s fees incurred by us in connection with the written notification and allegation of copyright infringement.
General Terms
These Terms are subject to occasional revisions, and if we make any substantial changes, we may notify you by sending an email to the last email address you provided and/or by prominently posting notice of the changes on our site.
Notification Requirement and Informal Dispute Resolution. Before either party may seek legal action against Loanyzer, the party must first send the other party a written Notice of Dispute describing the nature and basis of the claim or dispute and the requested relief.
A digital Notice must be sent via the address https://www.loanyzer.com/contact-us. Upon receipt of the Notice, you and Loanyzer may attempt to resolve the claim or dispute informally. If you and Loanyzer do not resolve the claim or dispute within thirty (30) days of receiving the Notice, either party may initiate legal proceedings.
The jurisdiction of São Paulo, SP - Brazil is hereby elected. Arbitrary actions in another state of Brazil or other countries will not be recognized.
Consent to the Terms
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be impaired or affected in any way, and the remaining portion shall remain in full force and effect. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and Loanyzer’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
You agree that any cause of action you may have arising out of or related to these Terms and Conditions of Use or your use of the site must be commenced within one (1) year after the termination of such cause of action; otherwise, such cause of action is permanently barred.
These Terms, including all policies incorporated by reference, constitute the entire and exclusive agreement between you and Loanyzer and govern your use of the site, superseding all prior and contemporaneous agreements. Our Terms do not create and are not intended to create any right or cause of action for any other person or entity.
Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms is found invalid or unenforceable for any reason, such determination shall not affect the validity of the remaining provisions of these Terms, and the invalid provision shall be deemed modified to the extent necessary to make it enforceable and effective.
These Terms constitute the entire agreement between you and Loanyzer regarding the Site and supersede all prior understandings. The Privacy Policy is a fundamental complementary part of these Terms of Use.
Contact
Any questions regarding these Terms & Conditions of Use should be submitted via the Contact Us form at https://www.loanyzer.com/contact-us.
Last Updated
Last updated: March 21, 2025.