Terms of Service
Financial Calculations Disclaimer: Loan & Invest is a mathematical calculation tool designed for personal planning and estimation purposes only. It is not a lender, financial broker, or licensed financial advisor.
1. Acceptance of Terms
By downloading, accessing, or using the Loan & Invest mobile application (package: com.orbittechlab.loaninvest) or its website (https://loaninvest.orbittechlab.com), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the application or website.
2. Intellectual Property & License
The application, software design, graphics, visual layout, icons, algorithms, and documentation are the exclusive intellectual property of Orbit Tech Lab and are protected by applicable intellectual property laws.
We grant you a personal, worldwide, non-exclusive, non-transferable, and revocable license to download and use the application on your personal devices strictly for personal and non-commercial utility. You may not reverse-engineer, decompile, redistribute, or extract source assets without prior written consent.
3. Financial Estimations & Not Financial Advice
All calculations provided by Loan & Invest—including monthly EMI amounts, interest sums, compounding projections, amortization schedules, and loan comparison verdicts—are mathematical estimates based on user-entered parameters.
- No Guarantee of Terms: Financial institutions, banks, and lending companies use varying calculation standards (such as 360-day vs. 365-day conventions, processing fees, insurance charges, and government taxes) which may lead to variations in actual quotations.
- No Professional Advisory: Output figures should not be interpreted as professional legal, tax, or investment advice. Users must verify terms directly with authorized financial institutions prior to entering any binding loan contract.
4. User Responsibilities & Acceptable Use
You agree to use the application solely for lawful purposes. You are responsible for ensuring the accuracy of values and inputs provided to the calculators. Orbit Tech Lab is not responsible for financial decisions or agreements entered into based on figures derived from the app.
5. Disclaimer of Warranties
Loan & Invest is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. Orbit Tech Lab does not guarantee that the application will operate error-free, uninterrupted, or that numerical estimates will match every bank's exact proprietary amortization schedule.
6. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Orbit Tech Lab, its developers, or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of, or inability to use, this application or reliance on any calculations.
7. Modifications to the App and Terms
We reserve the right to update or modify features, calculation tools, or these Terms of Service at any time. Updates will be reflected directly on this webpage. Continued use of the application following updates constitutes your acceptance of the revised terms.
8. Contact Information
For legal inquiries, questions, or clarification regarding these Terms of Service, please contact us at:
Developer: Orbit Tech Lab
Product: Loan & Invest
Support Email: support@orbittechlab.com
Website: https://loaninvest.orbittechlab.com