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By using BuyNowPayLaterCalculator.com.au, you agree to use the website and its calculators for personal, non-commercial purposes only. The calculators provide estimates of Afterpay and Zip Pay late fees based on publicly available information and are not affiliated with, endorsed by, or guaranteed by any BNPL provider. While we strive for accuracy, we do not accept liability for any errors, omissions, or results from using the calculators. Users are responsible for verifying fees directly with their BNPL provider before taking any financial action. All content, including calculators, text, and design, is protected and may not be reproduced without permission. Continued use of the website constitutes acceptance of these terms.