Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of Lease Leader's website, calculators, and services, including car lease and auto loan calculators available at leaseleader.com (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Services.

2. Calculation Accuracy

Lease Leader makes the following disclosures regarding our calculators:

2.1 Mathematical Methods

Our calculators use industry-standard formulas and the Decimal.js library to provide precise financial calculations. We aim to match the same methods used by dealerships and financial institutions, especially for specialized calculations like "days to first payment" adjustments and money factor conversions.

2.2 Limitations

Despite our commitment to accuracy, calculations may differ from actual loan or lease terms due to:

• Rounding differences in financial software
• Additional fees or charges not accounted for in our calculators
• Regional or lender-specific variations in calculation methods
• Future rate changes or adjustments
• Specific dealer policies or promotional terms

2.3 No Guarantee

We do not guarantee that the calculations, formulas, or information provided through our Services will be error-free or match exactly what a dealer, bank, or other financial institution may offer you.

3. Use License

3.1 Personal, Non-Commercial Use

Permission is granted to temporarily access and use the Services for personal, non-commercial purposes. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials except for personal use
• Use the materials for any commercial purpose
• Attempt to decompile or reverse engineer any software contained on Lease Leader's website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

3.2 Termination

This license shall automatically terminate if you violate any of these restrictions. Upon termination of your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

4. User Accounts and Registration

Some features of our Services may require you to register for an account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

We reserve the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, not current, or incomplete.

5. Intellectual Property

5.1 Ownership

The Services and their original content, features, and functionality are and will remain the exclusive property of Lease Leader and its licensors. The Services are protected by copyright, trademark, and other laws of both the United States and foreign countries.

5.2 Sharing Results

You may use the sharing functionality provided within our calculators to share calculation results via URL parameters. This sharing is permitted for personal and informational purposes only.

5.3 Embedding

Embedding our calculators on third-party websites is strictly prohibited without express written permission from Lease Leader.

6. User Content and Conduct

6.1 Information Submission

Any information you input into our calculators is processed client-side (in your browser) whenever possible. However, any material you transmit to our Services, such as feedback or comments, becomes the property of Lease Leader. We will not share your personal information with third parties except as described in our Privacy Policy.

6.2 Prohibited Activities

You agree not to use our Services:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services
• To attempt to probe, scan, or test the vulnerability of our systems or to breach security measures
• To impact the performance or functionality of our Services
• To scrape, data mine, or otherwise extract large amounts of data from our Services

7. Disclaimers

7.1 "As Is" Basis

The Services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

7.2 No Financial Advice

The information provided by our Services is not intended as financial, tax, legal, or investment advice. Our calculators are tools to assist you in estimating loan or lease payments but should not be the sole basis for financial decisions.

7.3 Technical Issues

Lease Leader does not warrant that:

• The Services will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Services are free of viruses or other harmful components
• The results of using the Services will meet your requirements

8. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Lease Leader, its affiliates, officers, directors, employees, agents, or suppliers be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Unauthorized access, use, or alteration of your inputs or information
• Financial decisions made based on calculations provided by our Services

In no event shall our total liability to you for all claims exceed the amount you have paid (if any) to Lease Leader for use of the Services during the twelve (12) months prior to the action giving rise to such liability.

9. Indemnification

You agree to defend, indemnify, and hold harmless Lease Leader and its licensors, service providers, and affiliates, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services.

10. External Links

Our Services may contain links to third-party websites or services that are not owned or controlled by Lease Leader. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Lease Leader shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Services.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and Lease Leader regarding our Services and supersede and replace any prior agreements we might have had between us regarding the Services.

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