Terms of Service

1. Acceptance of Terms

By accessing and using the homeloancalculator.fr website (hereinafter "the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Service Description

HomeLoanCalculator.fr is a free service made of calculators and guides. It lets you estimate, among other things:

• Mortgage monthly payments, total interest cost and an amortisation schedule
• The cost of borrower insurance
• Notary fees (France)
• An indicative purchase budget for a non-resident borrower

It also offers general-information guides on buying property in France. The Service is provided for information purposes only: it is not personalised financial, legal or tax advice, an offer of credit or a contractual commitment. Populosoft EOOD is not a credit institution, a banking intermediary (IOBSP), an insurer or a notaire.

3. Authorized Use

3.1 Personal Use

The Service is intended for personal, non-commercial use. You are authorized to:

• Use the calculator for your personal real estate projects
• View and download results for your private use
• Export amortization tables in CSV format

3.2 Prohibited Uses

It is strictly prohibited to:

• Use the Service for commercial purposes without prior written authorization
• Copy, reproduce, or redistribute the source code or site content
• Use robots, scrapers, or any automated system to extract data
• Attempt to circumvent the site's security measures
• Use the Service to provide professional financial advice to third parties
• Embed the calculator in other websites (iframe) without authorization

4. Warnings and Limitations

4.1 Indicative Nature

The calculated amounts are indicative and non-contractual. Actual figures may vary significantly depending on numerous factors.

4.2 Notary Fees

Notary fees are estimated at approximately 8% for existing properties and 2.5% for new builds. These percentages are national averages and may vary according to:

• Property location (department)
• Property price
• Specific tax exemptions
• Transaction complexity

4.3 Borrower Insurance

The insurance rate applied in the calculation is indicative. The actual rate will depend on your age, health, profession, and level of coverage chosen. Rates can vary considerably between insurers.

5. Obligation to Consult a Professional

6. Limitation of Liability

6.1 Nature of the results

We strive to provide accurate calculations and up-to-date information, checked against official sources whose review date is shown on each guide. The results nevertheless remain estimates based on general rules and on the assumptions displayed; they may differ from the amounts you are actually offered or charged. We do not guarantee that the Service will always be available.

6.2 Liability

To the extent permitted by applicable law, and without prejudice to your rights under mandatory consumer-protection rules, Populosoft EOOD cannot be held liable for decisions taken solely on the basis of the Service's results. Before making any decision, have your situation checked by a professional (bank, broker registered with ORIAS, notaire, tax adviser).

6.3 Third-party services

We are not responsible for the content, privacy policies or practices of third-party services (including Google AdSense) integrated into the site, or of sites we link to.

7. Intellectual Property

All intellectual property rights relating to the Service (source code, design, content, trademarks) are the exclusive property of Populosoft EOOD.

Use of the Service does not confer any intellectual property rights in the Service or its content.

8. Data Protection

How we process your personal data is described in ourPrivacy Policy. Advertising cookies are only placed with your consent, collected through the dedicated banner and changeable at any time in the cookie settings.

9. Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue all or part of the Service at any time
• Modify these Terms of Service
• Add or remove features

Changes to the Terms of Service will take effect upon publication on this page. Continued use of the Service after changes constitutes your acceptance of the new terms.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms of Service.

11. Governing Law

These Terms of Service are governed by French law.

If you are a consumer, you keep the protection of the mandatory rules of the law of your country of residence and may bring proceedings before the courts where you live.

12. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall remain in full force to the fullest extent permitted by law.

13. Contact

For any questions regarding these Terms of Service, contact us:

contact@populosoft.com