Acceptance of Terms

By installing, accessing, or using Loanora, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use of the app.

Permitted Use

Loanora is provided as a loan estimation and comparison utility for lawful personal, educational, or internal planning use. You agree not to misuse the app, interfere with its operation, or use it for unlawful or misleading purposes.

Estimate Disclaimer

Loanora provides estimated results only. Monthly payments, payoff dates, total interest, schedules, and comparison scenarios are based on the information you enter and the app's calculation logic.

These outputs do not constitute financial advice, credit approval, a lending commitment, or a guarantee that any lender will offer matching terms.

Local Data Disclaimer

If you save loan records, that data remains on the device until you clear it or remove the app. You are responsible for the security of your device and for any information you choose to enter into saved estimates, payment tracking, or settings.

Reminders, Import, and Export

Local payment reminders are convenience tools. Reminder delivery depends on your device settings, notification permission, system clock, battery rules, and operating system behavior.

Backup and schedule exports may contain loan details. You are responsible for reviewing exported files before sharing them and for choosing where imported or exported data is stored.

Limitation of Liability

Loanora is provided on an as is and as available basis, without warranties of any kind, to the maximum extent permitted by applicable law.

To the maximum extent permitted by applicable law, the developer, as creator of the app, shall not be liable for loan-estimate inaccuracies, interest or payment calculation differences, financial decisions, lender disputes, reminder delivery, imported or exported file handling, saved-record loss, device issues, or any direct, indirect, incidental, consequential, special, or punitive losses or damages arising from or related to your use of, reliance on, or inability to use Loanora.

Nothing in these Terms limits liability where it cannot legally be limited, including rights that cannot be excluded under consumer protection, product liability, or other applicable laws.

Intellectual Property

Loanora, including its branding, design, original code, and related materials, is the intellectual property of the developer unless otherwise stated. You may not copy, modify, distribute, reverse engineer, or decompile the app except as allowed by applicable law or with explicit permission.

Changes to These Terms

These Terms and the accompanying Privacy Policy may be updated from time to time. Continued use of Loanora after updates are published constitutes acceptance of the revised terms.

Contact

If you have questions about these Terms or the Privacy Policy, contact: help.tenshioapps@gmail.com