Terms of Service
Last Updated: January 15, 2024
1. Acceptance of Terms
By accessing and using Loving True's website (https://lovingtrue.com) and services, you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site and its services.
These Terms constitute a legally binding agreement between you and Loving True. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.
2. Description of Service
Loving True provides online loan EMI (Equated Monthly Installment) calculators and related financial tools. Our services include:
- Home loan EMI calculations
- Car loan EMI calculations
- Personal loan EMI calculations
- Business loan EMI calculations
- Credit card EMI calculations
- Amortization schedules and payment breakdowns
- Financial planning tools and resources
- Educational content about loans and financial planning
3. Use License and Restrictions
Permitted Use
Permission is granted to access and use the materials on Loving True's website for personal, non-commercial purposes only. This license is subject to the following restrictions:
- You may not modify, copy, or distribute the materials without written permission
- You may not use the materials for any commercial purpose without authorization
- You may not attempt to decompile or reverse engineer any software on the website
- You may not remove any copyright, trademark, or proprietary notices
- You may not transfer the materials to another person or entity
Prohibited Activities
You agree not to:
- Use the website for any unlawful purpose or in violation of any applicable laws
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the website's functionality
- Upload or transmit viruses, malware, or other harmful code
- Engage in any form of automated data collection or scraping
- Impersonate any person or entity or misrepresent your affiliation
- Violate the intellectual property rights of others
4. User Accounts and Responsibilities
While our basic services do not require account creation, if you choose to create an account or provide personal information, you agree to:
- Provide accurate, complete, and current information
- Maintain the security and confidentiality of your account credentials
- Notify us immediately of any unauthorized use of your account
- Accept responsibility for all activities that occur under your account
- Update your information promptly when changes occur
5. Disclaimer and Limitation of Liability
Service Disclaimer
The materials and services on Loving True's website are provided on an "as is" basis. Loving True makes no warranties, expressed or implied, and hereby disclaims all other warranties including, without limitation:
- Implied warranties of merchantability and fitness for a particular purpose
- Non-infringement of intellectual property rights
- Accuracy, completeness, or reliability of calculations and results
- Uninterrupted or error-free service
- Security of data transmission or storage
Limitation of Liability
In no event shall Loving True, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.
6. Financial Disclaimer
Important: The information and calculations provided on our website are for educational and informational purposes only and should not be considered as financial, investment, or legal advice.
- All calculations are estimates and may not reflect actual loan terms
- Interest rates, fees, and terms vary by lender and individual circumstances
- We are not a financial institution and do not provide loans or financial services
- Always consult with qualified financial professionals before making financial decisions
- We do not guarantee loan approval or specific terms from any lender
7. Intellectual Property Rights
The Service and its original content, features, and functionality are and will remain the exclusive property of Loving True and its licensors. The Service is protected by copyright, trademark, and other applicable laws. Our trademarks and trade dress may not be used without our prior written consent.
8. Third-Party Links and Services
Our website may contain links to third-party websites or services that are not owned or controlled by Loving True. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible for any damage or loss caused by your use of any third-party content or services.
9. Advertising and Third-Party Content
Google AdSense
We use Google AdSense to display advertisements on our website. These ads are served by Google and may be based on your interests and browsing history. We do not control the content of these advertisements and are not responsible for the products or services advertised.
Third-Party Advertisers
Third-party advertisers may use cookies and web beacons to collect information about your visits to our website and other websites to provide relevant advertisements. You can opt out of personalized advertising by visiting the appropriate opt-out pages.
10. Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
11. Termination
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.
12. Indemnification
You agree to defend, indemnify, and hold harmless Loving True and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).
13. Governing Law and Jurisdiction
These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of Noida, Uttar Pradesh, India.
14. Severability
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. The invalid or unenforceable provision will be replaced with a valid provision that most closely matches the intent of the original provision.
15. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published by us on the website, constitute the entire agreement between you and Loving True concerning the use of our services.
16. Contact Information
If you have any questions about these Terms of Service, please contact us:
Email: legal@lovingtrue.com
Phone: +91 98765 43210
Address: A-42, Sector 16, Noida, Uttar Pradesh 201301, India
Business Hours: Monday - Friday, 10:00 AM - 7:00 PM IST