Terms of Service

Agreement to Terms

By accessing and using Financial Calculators website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Use License

Permission is granted to temporarily access and use our financial calculators for personal, non-commercial use only. This includes:

• Using our calculators for personal financial planning
• Sharing results for educational or informational purposes
• Bookmarking and returning to use our tools

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time.

Financial Disclaimer

• Not Professional Advice: Our calculators do not replace professional financial, legal, or tax advice
• Accuracy Not Guaranteed: While we strive for accuracy, calculations may contain errors or assumptions
• Individual Circumstances: Your personal financial situation may require different considerations
• Market Changes: Interest rates, tax laws, and financial markets change frequently
• Consult Professionals: Always consult qualified professionals for important financial decisions

Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service

Content Accuracy

We make every effort to ensure that our financial calculators provide accurate results, however:

• Calculations are based on the information you provide and standard financial formulas
• Results may not reflect all variables that could affect your specific situation
• Tax calculations are simplified and may not include all deductions or credits
• Interest rates and financial products change frequently
• We are not responsible for decisions made based on our calculator results

Limitation of Liability

In no event shall Financial Calculators, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, punitive, consequential, or special damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use of or inability to use the Service
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Service
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service

Indemnification

You agree to defend, indemnify, and hold harmless Financial Calculators and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

Governing Law

These Terms shall be interpreted and governed by the laws of [Your State/Country], without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

Contact Information

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