Disclaimer

General Information Disclaimer

The information provided on P2P Calculators is for general informational and educational purposes only. While we strive to keep the information up-to-date and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information, products, services, or related graphics contained on the website.

Any reliance you place on such information is strictly at your own risk. In no event will we be liable for any loss or damage including, without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Investment and Financial Disclaimer

Key Investment Risks:

• Credit Risk: Borrowers may default on their loans, resulting in partial or total loss of investment
• Platform Risk: P2P platforms may fail, become insolvent, or cease operations
• Liquidity Risk: P2P investments may not be easily converted to cash when needed
• Market Risk: Economic conditions can affect borrower ability to repay loans
• Regulatory Risk: Changes in laws and regulations may impact P2P lending
• Technology Risk: Technical failures or cyber attacks may affect platform operations

Important Considerations:

• Past performance does not guarantee future results
• Diversification does not eliminate investment risk
• Only invest money you can afford to lose completely
• P2P investments are not covered by FDIC insurance
• Returns are not guaranteed and may be lower than projected

Calculator and Tool Disclaimers

Our calculators and tools are designed to provide estimates and projections based on the information you provide. These tools:

• Are for educational and illustrative purposes only
• Use simplified models and assumptions that may not reflect real-world conditions
• Cannot account for all possible variables and market conditions
• Should not be used as the sole basis for investment decisions
• May contain errors or produce inaccurate results

Actual investment results may vary significantly from calculator projections due to market volatility, platform changes, regulatory modifications, and other unpredictable factors.

Platform Information Disclaimer

Information about P2P lending platforms provided on this website:

• Is collected from publicly available sources and platform websites
• May not always be current or complete
• Can change without notice
• Should be verified independently before making investment decisions
• May be influenced by our affiliate relationships

We recommend thoroughly researching any platform and reading their official terms, conditions, and prospectus materials before investing.

Affiliate Disclosure

How Affiliate Relationships Work:

• We may receive compensation when you sign up for recommended platforms
• Commissions are paid by the platforms at no additional cost to you
• Our recommendations are based on our analysis, not commission rates
• We may receive different commission rates from different platforms
• Some links may provide you with bonus offers or promotions

Despite our affiliate relationships, we maintain editorial independence and strive to provide objective information. However, you should consider that these relationships may influence the platforms we feature and recommend.

Third-Party Links Disclaimer

Our website contains links to third-party websites and services. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

Data and Privacy

Your Calculator Data:

• All calculations are performed locally in your browser
• We do not store or transmit your personal financial information
• Calculator inputs and results remain private to you
• We use Google Analytics to understand website usage (anonymized data)

For complete details about our data practices, please review our Privacy Policy.

Regulatory Compliance

P2P Calculators is not:

• A registered investment advisor or financial planner
• A licensed securities broker or dealer
• An insurance company or agent
• A bank or credit union
• Subject to financial services regulations

We do not provide personalized financial advice and are not qualified to assess your individual financial situation, goals, or risk tolerance.

Geographic Limitations

The information on this website is primarily intended for users in the United States. P2P lending regulations, tax implications, and available platforms vary significantly by country and jurisdiction. Users outside the United States should:

• Verify local laws and regulations regarding P2P lending
• Consult with local financial and tax advisors
• Understand that platform availability may be restricted in their region
• Consider tax implications in their home country

Changes and Updates

This disclaimer may be updated from time to time. We encourage you to review this page periodically for any changes. Your continued use of our website after any modifications indicates your acceptance of the updated disclaimer.

Contact Information

If you have questions about this disclaimer or our website, please contact us: