The simple terms for using these free tools.

What this site is

Church Loan Tools provides free calculators and educational lessons about church financing. It is run by an individual as a non commercial project. There is nothing to buy and no account to open.

Not financial advice, not a loan offer

The calculators produce estimates for planning and learning. They are not financial, legal, tax, or accounting advice, and they are not a loan offer, a commitment to lend, or a loan approval. See the full disclaimer for details. Always confirm your numbers with a qualified lender and advisor before you act.

Provided as is

The site is provided as is and as available, without warranties of any kind, whether express or implied, including any implied warranty of accuracy, merchantability, or fitness for a particular purpose. We aim to use the same formulas a lender would, but we do not guarantee that results are error free or that they fit your specific situation.

Limitation of liability

To the fullest extent permitted by law, the operator of this site is not liable for any loss, damage, or decision arising from your use of the site or reliance on its results. You use the tools at your own discretion and risk.

Acceptable use

Please use the site for its intended educational purpose. Do not attempt to disrupt, overload, or break it, and do not copy its content to present as your own. The site, its text, and its calculators remain the property of Church Loan Tools. You are welcome to use the tools and to share result links for personal and ministry use.

Governing law

These terms are governed by the laws of the State of California, United States, without regard to its conflict of law rules.

Changes

We may update these terms from time to time. The effective date above will reflect the latest version, and continued use of the site means you accept it.

Questions

Reach out through the Instagram or Facebook links in the footer.