Terms of Use

Welcome to CapitalizedInterest.com. By using our website, tools, and content, you agree to the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using CapitalizedInterest.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

We reserve the right to update these terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after changes constitutes acceptance of the new terms.

2. Educational Purpose Only

CapitalizedInterest.com is for educational and informational purposes only. We are not financial advisors, accountants, or attorneys. The content on this Site — including articles, calculators, guides, and recommendations — is provided as a general resource and should not be construed as professional financial advice.

Loan terms, interest rates, and policies vary by lender, servicer, and individual circumstances. The information on this Site may not reflect the most current changes in federal or private student loan regulations. Always verify current policies at studentaid.gov or with your loan servicer.

3. Accuracy of Information

We strive to provide accurate and up-to-date information, but we do not guarantee the completeness, accuracy, or reliability of any content on the Site.

Calculators: Our calculators provide estimates based on the inputs you provide. Actual loan terms, interest rates, and repayment amounts may differ from our estimates. Always check with your lender or servicer for exact figures.

Third-Party Links: We may link to third-party websites (such as Credible, StudentAid.gov, or lender sites). These links are provided for convenience and do not constitute endorsement. We are not responsible for the accuracy, content, or privacy practices of third-party sites.

4. Use of the Site

Allowed Use

You may use the Site for your personal, non-commercial purposes. This includes:

• Using the calculators to estimate your loan costs
• Reading articles and guides
• Downloading PDF reports for personal reference
• Sharing links to our content (with proper attribution)

Prohibited Use

You may not:

• Copy, reproduce, or distribute our content without permission
• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the operation of the Site
• Use automated bots or scrapers to extract data

5. Intellectual Property

All content on CapitalizedInterest.com — including text, graphics, logos, icons, images, calculators, and software — is the property of CapitalizedInterest.com and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission. However, you are welcome to share links to our content on social media or other platforms, provided you give proper attribution.

6. Affiliate Disclosure

Some links on this Site are affiliate links. This means we may earn a commission if you click on a link and make a purchase or complete an application. This is at no additional cost to you.

We only recommend products and services that we believe provide value to our readers. However, we are not responsible for the terms, rates, or policies of any third-party lender or service provider.

For more details, see our full Affiliate Disclosure.

7. User Submissions

When you submit information to us — such as through our contact form, email subscriptions, or feedback — you grant us a non-exclusive, royalty-free license to use, store, and process that information to provide you with the requested service.

We do not claim ownership of your personal information. Your privacy is governed by our Privacy Policy.

8. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including:

• Merchantability and fitness for a particular purpose
• Accuracy, completeness, or reliability of content
• Uninterrupted or error-free access to the Site
• Freedom from viruses or other harmful components

We do not guarantee that the calculators or tools will meet your specific financial needs or produce results that match your actual loan terms.

9. Limitation of Liability

To the maximum extent permitted by law, CapitalizedInterest.com and its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use or inability to use the Site
• Any decisions you make based on information from the Site
• Any errors, omissions, or inaccuracies in the content
• Any unauthorized access to or use of our servers
• Any loss of data or financial loss

You are solely responsible for your financial decisions. Any reliance you place on information from this Site is strictly at your own risk.

10. Indemnification

You agree to indemnify and hold harmless CapitalizedInterest.com and its owners, contributors, and affiliates from any claims, damages, losses, liabilities, or expenses (including reasonable legal fees) arising from:

• Your use of the Site
• Your violation of these Terms of Use
• Your violation of any third-party rights
• Any content you submit to the Site

11. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Kenya, without regard to its conflict of law principles. Any legal action arising from these terms shall be brought exclusively in the courts of Kenya.

12. Contact Information

If you have any questions about these Terms of Use, please contact us.

13. Complete Agreement

These Terms of Use, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and CapitalizedInterest.com regarding your use of the Site.

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.