Terms of Service

These Terms of Service ("Terms") govern your access to and use of the InterestCart website, tools, calculators, content, and related services (collectively, the "Platform"). By accessing or using InterestCart, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you must discontinue use of the Platform immediately.

Nature and Scope of the Platform

InterestCart is an independent informational platform designed to help users understand banking and financial products through simplified explanations, comparisons, and indicative calculations.

InterestCart does not operate as a bank, lender, financial institution, broker, advisor, agent, or intermediary. The Platform does not provide financial, legal, investment, or tax advice.

Eligibility to Use

By using InterestCart, you represent that you are legally capable of entering into binding agreements under applicable law and that your use of the Platform complies with all relevant local, national, and international regulations.

User Responsibilities

Users are responsible for verifying all financial information directly with banks, lenders, or official sources before making any decisions.

You agree that any reliance on information, tools, or calculations provided on InterestCart is done at your own risk.

Use of Calculators and Tools

Any calculators, estimators, or tools provided on the Platform generate indicative results based on user inputs and general assumptions.

Actual outcomes may vary due to interest rate changes, fees, penalties, eligibility criteria, repayment behavior, or bank-specific policies.

Information Accuracy and Updates

InterestCart makes reasonable efforts to keep content accurate and up to date; however, financial products and policies may change without notice. The Platform does not guarantee completeness or real-time accuracy.

Third-Party Content and Services

The Platform may reference or link to third-party websites, services, or tools. InterestCart does not control or endorse third-party content and is not responsible for their availability, accuracy, or practices.

Intellectual Property Rights

All content, design, text, graphics, data structures, and software on InterestCart are the intellectual property of InterestCart unless otherwise stated. Unauthorized reproduction, distribution, or misuse is prohibited.

Prohibited Activities

Users agree not to misuse the Platform, including but not limited to:

• Attempting to disrupt or compromise platform security
• Using automated scraping without permission
• Misrepresenting information from the Platform
• Using the Platform for unlawful purposes

Limitation of Liability

To the fullest extent permitted by law, InterestCart shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of or inability to use the Platform.

Indemnification

You agree to indemnify and hold harmless InterestCart from any claims, losses, damages, or expenses arising from your use of the Platform or violation of these Terms.

Suspension or Termination

InterestCart reserves the right to suspend or terminate access to the Platform at its discretion, without prior notice, for violations of these Terms or misuse of the Platform.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with applicable laws. Jurisdiction shall be determined based on the applicable legal framework.

Changes to These Terms

InterestCart may update these Terms at any time. Continued use of the Platform after changes are posted constitutes acceptance of the updated Terms.

InterestCart exists to provide clarity and understanding, not to replace professional advice or official communication from financial institutions.