Effective Date: April 16, 2026
Welcome to Bear Loan Calculator! These Terms of Use ("Terms") govern your access to and use of our mobile application. By downloading, installing, or using Bear Loan Calculator, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our app.
By accessing or using Bear Loan Calculator, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Bear Apps.
Subject to your compliance with these Terms, Bear Apps grants you a limited, non-exclusive, non-transferable, revocable license to:
You may use Bear Loan Calculator for:
You agree NOT to:
Your Responsibility
You are solely responsible for:
Data Accuracy
You represent and warrant that all information you input into the app is accurate, complete, and does not violate any applicable laws or third-party rights.
Bear Loan Calculator and all its contents, features, and functionality are owned by Bear Apps and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
The trademarks, logos, and service marks displayed in the app ("Marks") are the property of Bear Apps or their respective owners. You may not use these Marks without prior written consent from Bear Apps or the respective owner.
Subscription Plans
Bear Loan Calculator offers optional premium subscriptions:
Free Trial
New subscribers may be eligible for a free trial period. You will be charged at the end of the trial period unless you cancel before it ends.
Auto-Renewal
Subscriptions automatically renew at the end of each billing period unless you cancel auto-renewal at least 24 hours before the renewal date. You can manage your subscription and turn off auto-renewal in your device's subscription settings.
Billing
You will be charged through your Apple App Store or Google Play Store account. Prices are in U.S. dollars and may vary by region. Applicable taxes may apply.
Cancellation
You can cancel your subscription at any time through your device's subscription settings. Cancellation takes effect at the end of the current billing period.
After the free trial period (if applicable), subscription fees are non-refundable except as required by law. Refund requests should be directed to:
We do not have direct control over refunds processed through app stores.
AS IS BASIS
Bear Loan Calculator is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:
No Financial Advice
Bear Loan Calculator is a calculation tool only and does not provide financial, legal, or tax advice. Calculations are estimates and should not be relied upon as the sole basis for financial decisions. Always consult with qualified professionals before making important financial decisions.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BEAR APPS SHALL NOT BE LIABLE FOR:
Our total liability to you for any claims arising from your use of the app shall not exceed the amount you paid for the app in the 12 months preceding the claim, or $100, whichever is less.
You agree to indemnify, defend, and hold harmless Bear Apps, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
The app may contain links to third-party websites or services that are not owned or controlled by Bear Apps. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party services.
App Updates
We may release updates, upgrades, or new versions of the app from time to time. These updates may be automatically downloaded and installed on your device depending on your settings.
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by:
Your continued use of the app after changes are posted constitutes acceptance of the updated Terms.
By You
You may stop using the app and delete it from your device at any time.
By Us
We may suspend or terminate your access to the app at any time, with or without notice, for:
Upon termination, your license to use the app will immediately cease.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where Bear Apps is registered, without regard to its conflict of law provisions.
Dispute Resolution
Any disputes arising from these Terms or your use of the app shall be resolved through:
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Bear Apps regarding your use of the app and supersede all prior agreements and understandings.
If you have any questions, concerns, or feedback regarding these Terms, please contact us:
Email: service@bapps.uk
App: Bear Loan Calculator
Developer: Bear Apps
We will respond to your inquiry within a reasonable timeframe.
By using Bear Loan Calculator, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by them. If you do not agree to these Terms, you must immediately stop using the app and delete it from your device.