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Terms of use

Last updated March 2026

The conditions governing your use of Veercal

Important: Veercal provides general information only and does not constitute financial, legal, or credit advice. Veercal does not hold an Australian Financial Services Licence. Always seek independent professional advice before making any financial decision.

1. About Veercal

Welcome to Veercal ("we", "us", "our"). Veercal is a free, online software tool that provides car finance calculators and related estimates to help users understand and compare the potential costs of vehicle ownership.

By accessing or using our website at www.veercal.com ("Website"), you agree to be bound by these Terms of Use. If you do not agree, you must not use the Website.

2. General information only — no financial advice

The content, tools, and calculators provided on Veercal are for general informational and educational purposes only.

  • Veercal does not provide financial, legal, or credit advice
  • We do not hold an Australian Financial Services Licence (AFSL)
  • The results generated are estimates only, based on user inputs and assumptions

You acknowledge that:

  • The information does not take into account your personal objectives, financial situation, or needs
  • You should seek independent professional advice before making any financial decision

3. No reliance

You agree that any reliance you place on the Website or its outputs is at your own risk. Veercal makes no representations or warranties about the accuracy, completeness, reliability, or suitability of the Website for your circumstances.

4. Calculator assumptions and limitations

The outputs generated by Veercal:

  • Are based solely on user-provided inputs and internal calculation models
  • May rely on assumptions, averages, or simplified methodologies
  • May not reflect actual loan terms offered by lenders, real-world costs, or changes in interest rates, fees, or market conditions

Results should be treated as indicative only, not definitive.

5. No offer or recommendation

Nothing on this Website constitutes an offer for financial products, a recommendation to enter into a loan or financing arrangement, or a solicitation to engage with any lender or provider.

6. Limitation of liability

To the maximum extent permitted by law, Veercal (including its owners, operators, and affiliates) excludes all liability for any loss or damage, including but not limited to financial loss, loss of opportunity, and indirect or consequential loss, arising from use of the Website, reliance on any calculations or information, or errors or inaccuracies in outputs.

Where liability cannot be excluded under Australian Consumer Law, it is limited to the minimum extent permitted.

7. Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any rights you may have under the Australian Consumer Law (ACL). Where liability cannot be excluded, our liability is limited (at our option) to re-supplying the services, or the cost of re-supplying the services.

8. Website availability

We do not guarantee that the Website will be available at all times or will be free from errors, bugs, or interruptions. We may modify, suspend, or discontinue the Website at any time without notice.

9. Intellectual property

All content on Veercal — including calculator logic, design, text, and branding — is owned by or licensed to Veercal and is protected under Australian intellectual property laws.

You may use the Website for personal, non-commercial use only. You must not copy, reproduce, or distribute content, reverse engineer or replicate the calculators, or use the Website for commercial purposes without our prior written permission.

10. Prohibited use

You agree not to use the Website for unlawful purposes, attempt to interfere with or disrupt the Website, use automated systems (bots, scraping tools) to extract data, or misuse or exploit the calculator outputs.

11. Third-party services

We may use third-party services such as Google Analytics to monitor Website usage and improve performance and user experience. These services may collect anonymised data in accordance with their own privacy policies. For more information on how Google handles data, visit policies.google.com/privacy.

12. Privacy

Your use of the Website is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

13. Changes to these terms

We may update these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Website constitutes acceptance of the updated Terms.

14. Governing law

These Terms are governed by the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the courts of Victoria.

15. Contact

If you have any questions about these Terms, please contact us at: [email protected]

These Terms of Use are provided for general informational purposes. For legal advice specific to your situation, please consult a qualified legal professional.