Terms of Use
Last updated: 22 April 2026These Terms of Use govern your access to and use of Credit Simul (the "Site"), operated by WINDY IT HUB LTD. By accessing the Site, you agree to be bound by these terms.
1. Purpose of the Site
Credit Simul is a free online tool designed to help users simulate and understand the financial parameters of loans and mortgages. It allows users to compute monthly payments, borrowing capacity, loan duration, or interest rate, and to view the resulting amortization schedule.
2. No Financial Advice
The results produced by Credit Simul are for informational and educational purposes only. They do not constitute financial, legal, or tax advice. The calculations are simplified models and may not reflect the exact terms of a real loan offer, which can include additional costs, specific conditions, or legal requirements.
Always consult a qualified financial advisor, bank, or credit institution before making any financial decision.
3. Accuracy Disclaimer
While we strive to ensure the accuracy of the calculations, WINDY IT HUB LTD makes no representations or warranties, express or implied, about the completeness, accuracy, or suitability of the information for any particular purpose. We are not liable for any errors or omissions, or for any losses arising from reliance on the information provided.
4. Intellectual Property
The Site and its content (code, design, text, graphics) are the property of WINDY IT HUB LTD and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.
5. Third-Party Content
The Site displays links to news articles from central banks (Bank of England, Federal Reserve, European Central Bank, etc.). These links are provided for informational purposes only. We are not affiliated with, endorsed by, or responsible for the content of these external sources.
6. Advertising
The Site may display advertisements served by Google AdSense. These ads are provided by a third party and we are not responsible for their content. Clicking on ads is entirely at your own discretion.
7. Availability
We reserve the right to modify, suspend, or discontinue the Site at any time without notice. We are not liable for any interruption or unavailability of the service.
8. Governing Law
These Terms of Use are governed by the laws of Cyprus. Any disputes arising from the use of the Site shall be subject to the exclusive jurisdiction of the courts of Cyprus.
9. Changes to These Terms
We may update these Terms of Use from time to time. The date at the top of this page indicates when they were last revised. Continued use of the Site after changes constitutes your acceptance of the revised terms.
10. Contact
For any questions about these Terms of Use, please contact: [email protected]