Terms of Use

CheckMyLoan.io provides mortgage calculation tools and related financial planning resources.

Free Services: Basic mortgage calculations and general information
Premium Services: Advanced calculations, detailed reports, export features, and enhanced tools

Premium access is available for a one-time payment as displayed on our pricing page. Premium features are unlocked across your devices once purchased and payment is confirmed.

Account Creation: To access premium features, you must create an account using supported authentication methods, which may include:
- Google OAuth authentication
- Magic link email authentication
- Other methods we may offer from time to time

Account Security: You are solely responsible for maintaining the confidentiality and security of your account credentials.

Accurate Information: You agree to provide accurate and current information for service delivery and communication.

Premium Access: Pricing for premium features is displayed on our website and may change at our discretion

Payment Processing: Payments are processed by third-party providers (including but not limited to Stripe). We do not store your payment information.

Accepted Payment Methods: Payment methods supported by our payment processors

Currency and Tax: Prices are displayed in the applicable currency. Taxes, including VAT where applicable, may be added at checkout as required by law

No Automatic Renewals: Premium access is a one-time purchase with no recurring charges unless explicitly stated

14-Day Refund Window: You may request a refund within 14 days of purchase, subject to the conditions below.

Refund Conditions: Refunds are at our sole discretion and may be denied if:
- You have extensively used premium features
- Your account shows signs of abuse or violation of these terms
- The refund request appears fraudulent or in bad faith
- Technical issues were caused by your device, browser, or internet connection

Refund Process: Contact us at info[@]innaton.com with your purchase details. We may require additional verification.

Processing: Approved refunds are processed within 5-10 business days. Processing fees may be deducted from the refund amount.

Account Access: Premium features are immediately revoked upon refund approval, regardless of processing time.

You agree to use our services only for lawful purposes and in accordance with these terms. Violation of these terms may result in immediate account termination without refund.

Strictly Prohibited:
- Sharing, reselling, or transferring premium account access
- Reverse engineering, decompiling, or attempting to extract source code
- Using automated tools, bots, or scrapers to access our content
- Attempting to circumvent our security measures or payment systems
- Using our services for any illegal or unauthorized purposes
- Creating multiple accounts to abuse free trials or promotions

Content Disclaimer: Our calculations and tools are for informational and educational purposes only. They do not constitute financial, legal, or investment advice. Always consult qualified professionals for important financial decisions.

All content, features, algorithms, and functionality of CheckMyLoan.io are owned by Innaton Technologies Ltd. and protected by copyright, trademark, and other intellectual property laws.

Limited License: We grant you a limited, non-exclusive, non-transferable license to use our services for personal, non-commercial purposes only.

Strict Restrictions: You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any part of our services without our express written permission.

Violations: Intellectual property violations may result in legal action and claims for damages.

Service Availability: We aim to provide reliable service but make no guarantees regarding uptime, availability, or uninterrupted access. Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

No Service Level Commitments: We do not provide service level agreements (SLAs) and are not liable for any downtime or service interruptions.

Service Modifications: We reserve the right to modify, suspend, discontinue, or restrict access to any part of our services at any time without prior notice.

Feature Changes: Premium features may be modified, enhanced, or discontinued. We will make reasonable efforts to provide alternative functionality when possible.

Service "As Is": Our services are provided "as is" and "as available" without warranties of any kind, whether express or implied.

Maximum Liability: Our total liability to you for any claims arising from these terms or your use of our services shall not exceed the amount you actually paid for premium access in the 12 months preceding the claim.

Excluded Damages: We are not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption.

Force Majeure: We are not responsible for any failure to perform due to circumstances beyond our reasonable control.

Financial Decisions: You acknowledge that our tools are informational only and should not be the sole basis for any financial decisions.

Termination by You: You may delete your account at any time. Account deletion is irreversible and will result in loss of all data and access.

Termination by Us: We may suspend or terminate your account immediately and without notice if:
- You violate these terms or our policies
- Your account shows suspicious or fraudulent activity
- You engage in prohibited activities
- We are required to do so by law or regulation
- We decide to discontinue the service

Effect of Termination: Upon termination, all rights and access cease immediately. You remain liable for any outstanding obligations. Termination for cause does not entitle you to any refund.

We may update these terms at any time and at our sole discretion. When we make changes:
- We will post the updated terms on our website
- The effective date will be updated
- For material changes, we may (but are not required to) provide notice via email or website announcement

Your Acceptance: Continued use of our services after any changes constitutes your acceptance of the new terms. If you do not agree with changes, you must stop using our services.

No Retroactive Effect: Changes apply only to future use and do not affect existing premium purchases made under previous terms.

These terms are governed by the laws of Cyprus, without regard to conflict of law principles. Any disputes will be resolved exclusively in the courts of Cyprus.

Dispute Resolution: Before initiating legal proceedings, you must first attempt to resolve disputes by contacting us directly. We may, at our option, agree to alternative dispute resolution.

Limitation Period: Any claims must be brought within one (1) year of the date the claim arose, after which they are forever barred.

Consumer Rights: If you are an EU consumer, you retain applicable rights under consumer protection laws, but these terms apply to the maximum extent permitted by law.