Terms of use

LoanCalc Lab is published by Rodway Labs. Rodway Labs is the trading name of an independent UK publisher. The site is informational and funded only by display advertising from Google AdSense, with no affiliate links or commissions. It is not a lender, broker or regulated financial adviser.

These terms cover your use of LoanCalc Lab at loancalclab.net, published by Rodway Labs. By using the site you agree to them. If you do not agree, do not use the calculators or the guides. The site is written for a UK audience in UK English. These terms are governed by the laws of England and Wales.

What you are using

LoanCalc Lab provides general information and in-browser calculators about personal-loan payments and debt payoff. Content is supplied as-is for education and illustration. It is not a contract with a lender, not an invitation to treat, and not a service that arranges credit. We do not open accounts. There is nothing to register for.

Outputs depend on figures and options you enter, and on simplified monthly models described on each tool. They can differ from a lender’s schedule because of day-count, fees, rounding, promotional rates, or early-settlement rules. You are responsible for checking any decision against the lender’s own disclosure. Local consumer and credit laws still apply to any firm you actually borrow from. Those laws are not varied by these terms.

No advice and no offer

Nothing on the site is personalised financial, tax, or legal advice, and nothing is a credit offer. Rodway Labs is not a lender or a credit broker and does not claim FCA authorisation for this site. Guides that mention a UK product norm are background reading. They are not a recommendation to borrow, consolidate, refinance, or overpay.

The calculator disclaimer explains the limits of the maths in more detail and forms part of the way you should read every result.

Acceptable use

You agree not to:

• Use the site for unlawful purposes, including attempts to break into it or overload it.
• Copy the calculators or guides in bulk to build a competing product without permission.
• Present our EXAMPLE figures as if they were a live quote from LoanCalc Lab or a lender.
• Send us payment-card numbers, identity documents, or other people’s personal data.
• Scrape the site in a way that degrades it for other readers.

Short quotation with a link, for criticism or explanation, is fine. The site name, the Rodway Labs name, and the logo should not be used to imply a partnership or an endorsement you do not have.

No warranty and limited responsibility

Calculators and pages are provided without warranty of accuracy, completeness, or fitness for a particular loan. We do not promise that the site will be uninterrupted or error-free. To the extent the law allows, Rodway Labs is not liable for decisions you make, or money you lose, because you relied on an illustration, a guide, or an advertisement shown by a third party. Nothing in these terms excludes liability that cannot legally be excluded, including liability for death or personal injury caused by negligence, or for fraud.

Advertising, when you have accepted it in the consent window (Consent, or Advertising switched on under Manage options), is supplied by Google and its partners. We do not control individual adverts and we are not the seller of anything an advert promotes. See the advertising disclosure.

Changes

We may update these terms, the tools, or the guides. When these terms change in substance, the date on this page changes. Continuing to use the site after that date means you accept the updated terms. Older copies of a guide are not kept as a public archive.

Questions about these terms: hello@loancalclab.net. That address does not create a customer-service desk for a loan.