Terms of use
Last updated 2026-08-07.
By using QuickOper you agree to these terms. They are short, and written to be read rather than skipped.
This is information, not advice
The calculators produce estimates for general information. Nothing on this site is financial, investment, tax, legal or accounting advice, and using it does not create a professional relationship of any kind.
Nobody at QuickOper is a qualified financial adviser. We do not know your circumstances, and the calculators do not ask about them. For a decision that matters, speak to someone qualified who does.
What the numbers are, and are not
We work hard to get the arithmetic right and publish exactly how it is checked on the methodology page. Even so, every result rests on assumptions stated on the page that produced it. Real agreements involve daily interest, fees, promotional periods, variable rates and new spending that a calculator cannot know about.
A result from this site is therefore not a quote, an offer, or a statement of what any lender will actually charge you. Always check the figures against your own agreement and statements.
No warranty
The site is provided "as is" and "as available", without warranties of any kind, express or implied, including as to accuracy, fitness for a particular purpose or uninterrupted availability.
To the fullest extent permitted by law, QuickOper and its author are not liable for any loss or damage arising from use of, or reliance on, this site — including financial loss resulting from a decision informed by a calculation here. Nothing in these terms excludes liability that cannot lawfully be excluded.
Errors, and telling us about them
If you believe a figure is wrong, please tell us. We correct errors openly and record the change and its date on the affected page. Reporting one is welcome and is the most useful thing you can send us.
Using the site and its content
You may use the calculators freely, for personal or commercial purposes. Please do not:
- republish the written explanations as your own;
- present results from this site as professional financial advice;
- attempt to disrupt the site or the people using it.
The written content and design are the author's. The source code is public at GitHub so the arithmetic can be inspected and verified; publishing it there is not a grant of a licence to redistribute it.
Linking to any page here is welcome and needs no permission. If you would like to embed a calculator, get in touch.
Advertising and links to other sites
The site may carry advertising, or links to products or services where we would be paid a commission. Any such link will be labelled where it appears. We are not responsible for the content, products or privacy practices of any site we link to, and a link is not an endorsement.
Changes
These terms may change. The date at the top shows when they last did, and continuing to use the site after a change means you accept it.