Terms and Conditions for MyStudentLoanCalc

Last Updated: April 14, 2025

1. Introduction and Acceptance

Welcome to MyStudentLoanCalc ("MyStudentLoanCalc", "we", "us", or "our"). MyStudentLoanCalc is operated by Bagl Limited, registered in England and Wales under no. 15922211, with its registered office at 71-75 Shelton Street, Covent Garden, London, UK, WC2H 9JQ, operating under the brand name MyStudentLoanCalc. By accessing or using our website at https://mystudentloancalc.co.uk ("Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

2. Eligibility

By using the Website, you represent and warrant that:
- You are at least the age of majority in your jurisdiction.
- You have the legal capacity and authority to enter into these Terms.

3. Services

MyStudentLoanCalc provides a student loan repayment calculator designed to estimate whether overpaying on your student loan or investing funds elsewhere may be more beneficial. The tool is provided for illustrative purposes only and does not constitute financial advice. All calculations are based on current information and assumptions that may change over time. No guarantee is made regarding the accuracy, completeness, or timeliness of the information provided.

Updates and Improvements:
We reserve the right to update, modify, or improve the functionality of the Website and its tools at any time without prior notice.

4. Advanced Package and Data Collection

Advanced Package:
When you purchase the Advanced Package, you gain access to all premium features available on our Website.

Data Collection and Privacy:
We collect personal data (including your name, email address, and payment information) as well as non-personal data through web cookies. For details on our data handling practices, please refer to our Privacy Policy at https://mystudentloancalc.co.uk/privacy-policy.

5. User Conduct

When using the Website, you agree not to:
- Violate any applicable laws, regulations, or these Terms
- Use the Website for any unlawful, harmful, or otherwise prohibited purpose
- Attempt to gain unauthorized access to any portion of the Website
- Transmit viruses, malware, or other malicious code
- Engage in behavior that interferes with the operation of the Website

6. Intellectual Property

All content, features, and functionality on the Website—including but not limited to text, graphics, logos, images, and software—are owned by or licensed to MyStudentLoanCalc or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. Disclaimers and Limitation of Liability

No Warranty:
The Website and its tools are provided on an "as is" and "as available" basis without any express or implied warranties, including (but not limited to) implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Accuracy of Information:
The calculator's results are estimates and based on current information and assumptions which may change, become outdated, or be inaccurate. You should not rely solely on these results when making financial decisions; always verify with official sources (gov.uk/repaying-your-student-loan) and consult a qualified financial advisor.

Limitation of Liability:
To the fullest extent permitted by applicable law, MyStudentLoanCalc, its directors, employees, and affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages (including loss of profits or data) arising from or related to your use of the Website. In no event shall our total liability exceed the amount you paid us (if any) in the 12 months preceding the incident, or such other amount as permitted by law.

8. Indemnification

You agree to defend, indemnify, and hold harmless Bagl Limited, its affiliates, directors, employees, and agents from and against any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorney fees) arising out of:
- Your use of the Website
- Your breach of these Terms
- Any violation of applicable laws or the rights of a third party

9. Third-Party Services and Links

The Website may contain links to third-party websites or services that are not owned or controlled by us. We do not endorse or assume responsibility for the content, privacy policies, or practices of these third parties. Your interactions with any linked third-party websites are governed solely by their respective terms and policies.

10. Term and Termination

These Terms remain in effect as long as you use the Website. We reserve the right to suspend or terminate your access at any time, with or without notice, for any reason—including, without limitation, a breach of these Terms. Upon termination, your right to access and use the Website will immediately cease.

11. Modifications to Terms and Service

We reserve the right, at our sole discretion, to change, modify, or update these Terms and the functionality of the Website at any time. Any changes will be posted on the Website, and the "Last Updated" date will be revised accordingly. Your continued use of the Website after such changes constitutes your acceptance of the new Terms.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be resolved exclusively in the courts of the United Kingdom.

13. General Provisions

Severability:
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

No Waiver:
Our failure to enforce any right or provision of these Terms does not constitute a waiver of future enforcement of that right or provision.

Entire Agreement:
These Terms, together with our Privacy Policy, constitute the entire agreement between you and MyStudentLoanCalc regarding your use of the Website.

Assignment:
You may not assign or transfer these Terms, or any rights or obligations hereunder, without our prior written consent. We may assign these Terms at our discretion.

14. Contact Information

If you have any questions regarding these Terms, please contact us at:
Email: aronbogo@proton.me

By using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Thank you for using MyStudentLoanCalc!