Terms of Service

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must not use this website.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Financial Advice Disclaimer

No Fiduciary Relationship

Use of this website does not create a fiduciary relationship between you and Financial Calculators. We have no duty to act in your best interest or to provide personalized advice.

Investment Risks

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. The projections and calculations provided by our tools are estimates based on assumptions and may not reflect actual outcomes.

Tax and Legal Matters

Tax laws and regulations are complex and subject to change. The information on this site does not constitute tax or legal advice. Consult with a qualified tax professional or attorney for guidance specific to your situation.

3. Accuracy and Reliability

Calculation Methodology

Our calculators use industry-standard formulas and assumptions. However, we make no representations or warranties about the accuracy, completeness, or reliability of the calculations or results.

Assumptions and Limitations

All financial calculators are based on assumptions that may not apply to your specific situation:

• Investment returns are estimates and not guaranteed
• Inflation rates, tax rates, and interest rates may vary
• Market conditions and economic factors change over time
• Personal circumstances and goals differ among individuals
• Regulatory and legal environments may change

No Warranty

THE CALCULATORS AND CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Errors and Omissions

While we strive for accuracy, errors may occur in our calculators or content. We reserve the right to correct any errors, inaccuracies, or omissions at any time without prior notice.

Your Responsibility

You are solely responsible for verifying the accuracy of any calculations and for any decisions you make based on information from this website. We strongly recommend:

• Double-checking all calculations with other sources
• Consulting with qualified professionals before major financial decisions
• Understanding the assumptions behind each calculation
• Considering your unique financial situation and goals

4. Use of the Site

Permitted Use

You may use this website for lawful, personal, non-commercial purposes only.

Prohibited Activities

You agree NOT to:

• Use the site for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to any part of the site
• Interfere with or disrupt the site's operation or servers
• Use automated systems (bots, scrapers) to access the site without permission
• Copy, modify, or distribute our content without permission
• Impersonate any person or entity or misrepresent your affiliation with anyone
• Transmit any viruses, malware, or harmful code
• Collect or harvest information about other users
• Use the site in any manner that could damage, disable, or impair the website

Account Termination

We reserve the right to terminate or restrict your access to the site at any time, for any reason, without notice.

5. Intellectual Property

Our Content

All content on this website, including but not limited to text, graphics, logos, images, calculators, software, and design, is the property of Financial Calculators or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the site for personal, non-commercial purposes. This license does not include:

• The right to copy or reproduce the site or its content
• The right to modify or create derivative works
• The right to sell, distribute, or sublicense
• The right to reverse engineer any software or calculators

Permitted Sharing

You may share links to our calculators and content. Brief excerpts may be quoted with proper attribution and a link back to the original source.

6. Limitation of Liability

Maximum Liability

In jurisdictions that do not allow the exclusion or limitation of liability, our liability shall be limited to the maximum extent permitted by law. In no event shall our total liability to you for all damages exceed $100 USD.

User Assumption of Risk

You acknowledge and agree that you use this website and its calculators at your own risk. You are solely responsible for any decisions made based on information obtained from this site.

7. Indemnification

You agree to indemnify, defend, and hold harmless Financial Calculators, its owners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the website
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any financial decisions or actions you take based on information from this site

8. Third-Party Links and Services

No Endorsement

The inclusion of any link to a third-party website does not imply endorsement, approval, or responsibility for that site or its content, products, or services. We are not responsible for:

• The availability, accuracy, or content of third-party websites
• Products or services purchased from third parties
• Privacy practices of third-party sites
• Any damages or losses from using third-party services

Your Responsibility

You are responsible for reviewing the terms, privacy policies, and practices of any third-party websites or services before using them or providing personal information.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

We will update the "Last updated" date at the top of this page when changes are made. We encourage you to review these terms periodically.

If you do not agree to the modified terms, you must stop using the website.

10. Governing Law and Disputes

Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these Terms or your use of the website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Class Action Waiver

You agree to bring any dispute in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

11. Contact Information

If you have questions about these Terms of Service, please contact us:

Acknowledgment