Financial Disclaimer

Last updated April 2026

1. General information only

The information, tools, and calculators provided on VeerCal (www.veercal.com) are for general informational and educational purposes only.

VeerCal does not provide financial, investment, legal, or credit advice. Nothing on this website should be considered as a recommendation or opinion that you should enter into any financial arrangement, including car loans or financing products.

2. No financial advice

VeerCal is not a licensed financial services provider and does not hold an Australian Financial Services Licence (AFSL). The content and outputs provided:

• Do not take into account your personal financial situation, objectives, or needs
• Are not intended to influence your financial decisions
• Should not be relied upon as a substitute for professional advice

You should seek advice from a qualified financial adviser, credit provider, or other licensed professional before making any financial decision.

3. Estimates only

All calculations, projections, and results generated by VeerCal are estimates only, based on user inputs and generalised assumptions. They may not reflect actual loan terms, interest rates, fees, or real-world costs.

Actual costs of car ownership may vary significantly due to factors including:

• Lender-specific terms and approval criteria
• Changes in interest rates
• Insurance premiums
• Maintenance and repair costs
• Fuel prices and usage patterns

4. No guarantee of accuracy

While we aim to provide accurate and useful tools, VeerCal makes no guarantees or warranties regarding the accuracy, completeness, reliability, or suitability of the information provided for any particular purpose. Information may contain errors, omissions, or outdated assumptions.

5. User responsibility

By using VeerCal, you acknowledge and agree that:

• You are solely responsible for any decisions you make
• You will independently verify any information before relying on it
• You will seek professional advice where appropriate

6. No liability

To the maximum extent permitted by law, VeerCal disclaims all liability for any loss or damage (including indirect or consequential loss) arising from:

• Use of this website
• Reliance on any calculations or outputs
• Errors or inaccuracies in the information provided

7. No endorsement of financial products

VeerCal does not endorse, promote, or recommend any specific lenders, loan products, or financial institutions. Any references to financial concepts or structures are purely illustrative and for educational purposes only.

8. Automated calculations

This website uses automated calculations based on formulas and assumptions. These calculations are simplified representations of financial scenarios, do not account for all variables involved in real-world lending or ownership, and should be used as a guide only.

9. Australian use only

This website is intended for use by individuals in Australia. Financial regulations, lending practices, and cost structures may differ in other jurisdictions. VeerCal makes no representations that the content is appropriate or available for use outside Australia.

10. Acceptance of this disclaimer

By using VeerCal, you acknowledge that you have read, understood, and agree to this Financial Disclaimer. If you do not agree with any part of this disclaimer, you should not use this website.

11. Contact

If you have any questions regarding this disclaimer, please contact us at: contactveercal@gmail.com

This disclaimer is provided for general informational purposes. For advice specific to your situation, please consult a qualified financial or legal professional.