Terms of Use

1. Acceptance of Terms & Binding Agreement

These Terms of Use (these "Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Crane Finance ("Crane Finance," "we," "us," or "our"). These Terms govern your access to and use of our website located at cranenfinance.com, including any mobile web interfaces, payment estimation tools, interactive sliders, and informational guides (collectively, the "Website").

By accessing, browsing, or utilizing any portion of this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms in their entirety, you are strictly prohibited from using or accessing this Website.

2. Eligibility & Permitted Age

This Website is intended solely for natural persons who are legal residents of the United States and who are at least eighteen (18) years of age (or nineteen (19) years of age in Alabama and Nebraska, or the legal age of majority in your jurisdiction). By using this Website, you represent and warrant that you meet all eligibility requirements. If you do not meet these requirements, you must discontinue your use of this Website immediately.

3. Non-Lender & Informational Purpose Disclaimer

Crane Finance is NOT a lender, finance company, loan broker, credit services organization, or loan originator. We do not issue credit decisions, evaluate consumer loan applications, broker loans, or commit to fund credit.

All content, rate ranges (5.99%–35.99%), loan amounts ($200–$5,000), repayment durations (6–60 months), and amortization tables displayed on this Website are published strictly for consumer literacy and informational illustration. Nothing on this Website constitutes:

• A loan offer, pre-approval, commitment to lend, or loan guarantee;
• An invitation to enter into a credit agreement with Crane Finance; or
• A recommendation, endorsement, or referral to any specific financial institution.

4. No Financial, Investment, or Legal Advice

The materials and calculation tools provided on this Website are for general informational purposes only and do not constitute individualized financial, investment, accounting, tax, or legal advice. Financial circumstances vary significantly from person to person. You should consult with an independent certified financial advisor, attorney, or non-profit credit counselor regarding your specific financial situation before entering into any legally binding loan agreement.

5. Calculator Estimation Accuracy & Disclaimers

Our interactive installment loan calculator performs mathematical simulations based on user-supplied numbers (principal amount, term length, and estimated APR). While we strive to ensure that amortization formulas align with standard financial mathematics:

• Estimations Only: Results are theoretical estimates and do not include individual lender fee variations, payment cycle differences (bi-weekly vs. monthly), or actual loan origination adjustments.
• Final Agreement Controls: Your actual monthly installment, finance charge, APR, and total repayment obligation will be determined exclusively by the lender with whom you execute an agreement and will be stated in your Truth in Lending Act (TILA) disclosure.
• No Warranty of Calculation Output: Crane Finance makes no warranties, express or implied, regarding the accuracy, completeness, or applicability of calculator results to any real-world credit offer.

6. Third-Party Links, External Lenders & Affiliates

This Website contains links to external websites, third-party lending platforms, broker networks, and credit tools. Clicking buttons such as "Check Your Options" will redirect you to third-party web domains operated by independent organizations.

Crane Finance has no control over, and assumes no responsibility for:

• The privacy practices, terms, or security standards of third-party platforms;
• The terms, interest rates, underwriting standards, or fees offered by any third-party lender; or
• Any dispute, injury, or loss arising between you and an independent lending institution.

Your interactions with third-party providers are governed solely by their terms of service and privacy policies. We strongly encourage you to inspect all third-party agreements and Truth in Lending disclosures before submitting personal or financial information.

7. Permitted Use & Prohibited Conduct

You are granted a limited, revocable, non-exclusive, non-transferable license to access and view this Website for personal, non-commercial informational use only. You agree not to engage in any of the following prohibited activities:

• Automated Scraping & Data Mining: Using spiders, robots, scrapers, or other automated mechanisms to collect content or data from the Website without prior written consent;
• Security Interference: Attempting to probe, scan, or test the vulnerability of our systems or bypass security measures;
• Service Disruption: Launching denial-of-service (DoS/DDoS) attacks or introducing viruses, worms, or malicious code;
• Commercial Exploitation: Reselling, sublicensing, or commercially exploiting any tools, algorithms, or content from the Website; or
• Unlawful Activity: Using the Website to facilitate illegal conduct, fraudulent misrepresentation, or money laundering.

8. Intellectual Property Rights & Trademarks

All content, visual layouts, typography, logos, wordmarks ("Crane Finance"), vector artwork, icons, stylesheets, scripts, and software algorithms on this Website are the proprietary intellectual property of Crane Finance and are protected by United States and international copyright, trademark, and trade dress laws.

All rights not expressly granted to you under these Terms are reserved by Crane Finance. You may not reproduce, modify, distribute, display, or create derivative works from our content without our prior written authorization.

9. Disclaimer of Warranties (AS-IS & AS-AVAILABLE)

THIS WEBSITE, INCLUDING ALL INFORMATIONAL ARTICLES, CALCULATORS, TOOLS, AND CONTENT, IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CRANE FINANCE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CRANE FINANCE, ITS OFFICERS, DIRECTORS, OPERATORS, EMPLOYEES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, GOODWILL, REPUTATIONAL INJURY, OR FINANCIAL LOSS) ARISING OUT OF OR IN CONNECTION WITH:

• YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR ITS CALCULATOR TOOLS;
• ANY ERRORS, INACCURACIES, OR OMISSIONS IN WEBSITE CONTENT;
• YOUR INTERACTION WITH, APPLICATION TO, OR AGREEMENT WITH ANY THIRD-PARTY LENDER; OR
• ANY DELAY, DENIAL, OR TERMS OF CREDIT EXTENDED BY INDEPENDENT LENDERS.

IF ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR TOTAL LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOT TO EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100.00).

11. Indemnification

You agree to defend, indemnify, and hold harmless Crane Finance, its operators, affiliates, and representatives from and against any and all claims, damages, liabilities, losses, costs, or expenses (including reasonable attorney's fees) arising from: (a) your use of or access to the Website, (b) your violation of these Terms, or (c) your violation of any third-party rights, including intellectual property or privacy rights.

12. Dispute Resolution & Binding Individual Arbitration

PLEASE READ THIS SECTION CAREFULLY—IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND HAVE A JURY HEAR YOUR CLAIMS.

Informal Resolution: Before initiating any formal legal proceeding, you agree to contact us at [email protected] to attempt to resolve any dispute, controversy, or claim ("Dispute") informally for a period of at least thirty (30) calendar days.

Binding Arbitration: If the Dispute cannot be resolved informally, it shall be resolved by binding, confidential arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted on an individual basis before a single neutral arbitrator.

Class Action Waiver: YOU AND CRANE FINANCE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

13. Governing Law & Venue

These Terms and any Disputes arising out of or related to this Website shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without giving effect to any conflict of law principles that would apply the laws of another jurisdiction.

14. Severability & Entire Agreement

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by an arbitrator or court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect.

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Crane Finance concerning your access to and use of this Website, superseding all prior communications or proposals.

15. Revisions & Modifications to Terms

Crane Finance reserves the right to modify, amend, or replace these Terms at any time at our sole discretion. Any changes will become effective immediately upon posting to this Website with an updated "Last Updated" date. Your continued access to or use of the Website after any revision constitutes your acceptance of the updated Terms.

16. Contact Information

If you have questions, inquiries, or feedback regarding these Terms of Use, please contact our legal desk: