Terms of Service

Effective Date: 2026-05-29

Version: v1.3

Previous Version: v1.2 (2026-05-27)

Next Review: 2026-12-29

1. Acceptance of Terms

By downloading, accessing, or using Rate Master AI ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

2. Service Description

Rate Master AI is a loan interest rate calculation tool that:

  • Calculates Annual Percentage Rate (APR) using Internal Rate of Return (IRR) method
  • Provides natural language parsing to interpret loan terms
  • Loan Calculator: Provides interest rate calculation and financial comparisons
  • AI Chat: Processes natural language queries to assist with loan calculations
  • Usage Analytics: Collects anonymous usage statistics to improve our service
  • Advertisements: Displays ads via Google AdMob to support service operations

    • 3. No Financial Advice

    Important Disclaimer:

  • The App provides calculation tools only, NOT financial advice
  • Calculation results are for informational and reference purposes only
  • The App does not guarantee the accuracy of calculations
  • Actual loan terms and rates may vary by lender and jurisdiction
  • You should consult with a qualified financial advisor before making any financial decisions

    • 4. User Responsibilities

    You agree to:

  • Use the App for lawful purposes only
  • Not use the App for illegal lending activities
  • Not use the App for fraudulent purposes
  • Not attempt to reverse engineer or modify the App
  • Not use the App in any way that could damage or impair the service

    • 5. Prohibited Uses

    You may NOT:

  • Use the App for any illegal purpose
  • Use the App to facilitate predatory lending practices
  • Attempt to access other users' data (if applicable)
  • Use automated systems to access the App without permission
  • Redistribute or sell the App

    • 6. Intellectual Property

    All rights reserved. The App, including its code, design, and content, is protected by copyright and intellectual property laws. You may not:

  • Copy, modify, or distribute the App
  • Create derivative works based on the App
  • Remove any proprietary notices or labels from the App

    • 7. Disclaimer of Warranties

    See disclaimer.html for complete warranty disclaimers.

    Summary: The App is provided "AS IS" without warranties of any kind.

    8. Limitation of Liability

    See disclaimer.html for complete liability limitations.

    Summary: To the maximum extent permitted by law, the Developer shall not be liable for any damages arising from use of the App.

    9. Indemnification

    You agree to indemnify, defend, and hold harmless the Developer from any claims, liabilities, damages, losses, or expenses arising out of:

  • Your use of the App
  • Your violation of these Terms
  • Your violation of any rights of another party

    • 10. Termination

    We reserve the right to terminate or suspend your access to the App at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or us.

    11. Changes to Terms

    We may update these Terms from time to time. Continued use of the App after changes constitutes acceptance of the updated Terms.

    12. Governing Law

    These Terms shall be governed by applicable laws in the relevant jurisdiction.

    13. Severability

    If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

    14. Relationship to Disclaimer

    This Terms of Service should be read together with the Disclaimer. The Disclaimer covers:

  • No Professional Advice
  • Calculation Accuracy
  • No Warranties
  • User Responsibility
  • Limitation of Liability

    • In case of any conflict between this Terms and the Disclaimer, the Disclaimer shall prevail with respect to warranty and liability provisions.

    15. Advertisements

    The App displays advertisements served by Google AdMob. Please note:

  • Some ads may be personalized based on your Google account and app usage
  • You can manage ad preferences at adssettings.google.com
  • We are not responsible for the content or practices of third-party advertisers

    • 16. Data Usage and Privacy

    By using Rate Master AI, you agree to:

  • The collection and use of anonymous usage data as described in our Privacy Policy
  • The use of Google AdMob for displaying advertisements
  • Google's data processing practices as described in their Privacy Policy

    • We are committed to protecting your privacy and only collect data necessary for service improvement.

    Please review our Privacy Policy for details on data collection and usage.

    17. Contact Information

    For questions about these Terms of Service, please contact us:

  • Email: steven2014.liao@gmail.com