Last updated: August 22, 2026

Terms of Service

These Terms of Service govern your access to and use of the RateLedger website, including its mortgage, loan, savings and investment calculators and related content. By using the site, you agree to the terms below. If you do not agree with them, please do not use the site.

1. Acceptance of Terms

By accessing or using RateLedger, you confirm that you have read, understood and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should stop using the site immediately. Your continued use of the site after any changes to these terms constitutes acceptance of the updated terms.

2. Description of Service

RateLedger is an independent publisher that provides free financial calculators — including mortgage and loan calculators, savings and investment calculators, and related tools — for general informational and educational purposes. The calculators run entirely in your web browser and do not require registration or payment. We may add, modify or remove tools and content at any time without notice.

3. Not Financial Advice

All results produced by the calculators on this site are estimates generated from the values you enter and standard financial formulas. They are provided for educational and informational purposes only. They are not professional financial, investment, tax, accounting or legal advice, and they are not a substitute for advice from a qualified professional. Real loan terms, returns and outcomes depend on factors the calculators cannot know, including lender fees, taxes, insurance, market conditions and your personal circumstances. Before making any financial decision, you should consult a licensed financial advisor, lender or other qualified professional.

4. Accuracy of Information

We strive to keep the mathematics behind our calculators correct and verifiable, and we check results against reference schedules. However, we make no guarantees or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability or timeliness of any result or content on the site. Calculator outputs depend entirely on the inputs you provide, and real-world results may vary. You should always confirm figures with your lender or a qualified professional before relying on them.

5. Intellectual Property

The content, design, layout, calculator tools, text, graphics and code on this site are owned by RateLedger and protected by applicable intellectual property laws. You may view and use the site for your personal, non-commercial planning. You may not copy, reproduce, republish, download, distribute, modify, reverse-engineer or create derivative works from any part of the site without our prior written permission.

6. Third-Party Links and Advertising

RateLedger may display advertisements served by Google AdSense and other third-party advertising networks. The site may also contain links to external websites that are not operated by us. We do not control and are not responsible for the content, products, services, accuracy or privacy practices of any third-party advertiser or external website. Your interactions with third-party ads and linked sites are solely between you and that third party.

7. Limitation of Liability

To the fullest extent permitted by applicable law, RateLedger and its operators shall not be liable for any direct, indirect, incidental, consequential, special or exemplary damages — including but not limited to financial losses, lost savings, lost profits or lost opportunities — arising out of or related to your use of, or reliance on, the calculators or any content on this site. You use the site and its tools at your own risk.

8. User Conduct

You agree to use RateLedger only for lawful purposes and in a way that does not infringe the rights of, or restrict the use of, the site by others. You may not misuse, scrape, harvest, resell, overload, hack or attempt to disrupt the availability, security or integrity of the site, its calculators or its servers. You may not attempt to gain unauthorized access to any part of the site or its systems.

9. Changes to These Terms

We may update these Terms of Service periodically to reflect changes to the website, applicable law or our practices. When we do, we will revise the “Last updated” date at the top of this page. The current version of the terms will always be posted here. Your continued use of RateLedger after a change takes effect means you accept the revised terms.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Kingdom of Saudi Arabia, without regard to its conflict of law principles. Any dispute arising out of or relating to your use of the site shall be subject to the exclusive jurisdiction of the competent courts in Saudi Arabia, except where local consumer protection law requires otherwise.

11. Contact Information

If you have any questions, concerns or notices regarding these Terms of Service, you can reach us at abdulaziz.b.b.35@gmail.com or through our Contact Us page. We will review reasonable inquiries and respond as appropriate.

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