By using utangfree.com, you agree to the terms below. Please read them before you rely on anything this site shows you.
An educational tool, not advice
utangfree.com's calculator and articles are provided for general education only. They are not licensed financial advice, legal advice, or a substitute for speaking with an accredited lender, financial advisor, or lawyer about your specific situation. The "fair," "use with caution," and "high risk" verdicts the calculator shows are estimates based on general reference points for interest rates in the Philippines — they are not a guarantee that any particular lender, loan, or rate is legal, safe, or right for you.
We are not a lender
utangfree.com does not lend money, process loan applications, collect payments, or act as a party to any loan agreement between you and any lender. We do not endorse, recommend, or vouch for any specific lending company, app, or individual lender mentioned or implied on this site.
No warranty
This site and its content are provided "as is," without warranty of any kind, express or implied. We do our best to keep the calculator's math and the articles' legal citations accurate and up to date, but laws, regulations, and lending practices can change, and we cannot guarantee the information here is complete, current, or error-free at the moment you read it.
Your decisions are your own
Any decision to take out, refinance, or refuse a loan is entirely yours. utangfree.com is a starting point for that decision, not a replacement for your own judgment or professional advice.
Content ownership
The text, design, and articles on utangfree.com belong to utangfree.com unless otherwise noted. You're welcome to share links to this site with others. Republishing or reproducing our articles elsewhere without permission is not allowed.
Links to other sites
Some pages link to external government or reference sites (such as the SEC or the Credit Information Corporation) for your convenience. We don't control those sites and aren't responsible for their content or availability.
Limitation of liability
To the fullest extent permitted by law, utangfree.com and its operator are not liable for any damages or losses arising from your use of, or inability to use, this site or its calculator.
Governing law
These terms are governed by the laws of the Republic of the Philippines.
Changes to these terms
We may update these terms from time to time. Continuing to use utangfree.com after a change means you accept the updated terms.
Contact
Questions about these terms can be sent to info@utangfree.com.