Terms and Conditions

1Acceptance of Terms

By accessing and using this financial calculator 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.

                Your continued use of this website constitutes acceptance of these terms and any updates made to them.
            

2Use of Service

This website provides various financial calculators for educational and informational purposes. You may use our calculators to:

Perform financial calculations and projections
Export calculation results as PDF or CSV files
Access our tools for personal or professional use

You agree to use this service only for lawful purposes and in a way that does not infringe the rights of, restrict or inhibit anyone else's use and enjoyment of the website.

3Financial Disclaimer

Important: The calculations and results provided by our financial calculators are for informational purposes only and should not be considered as professional financial advice.

Our calculators provide estimates and projections based on the information you input. These results:

Are not guaranteed to be accurate or complete
Should not be used as the sole basis for financial decisions
May not reflect actual market conditions or individual circumstances
Are not a substitute for professional financial consultation

We strongly recommend consulting with qualified financial professionals before making any investment or financial decisions.

4Data Export and Usage

Our service allows you to export calculation results in PDF and CSV formats. By using this feature:

You acknowledge that exported data is for your personal use
You agree not to redistribute or commercialize the exported content without permission
You understand that exported files may contain our website branding
You are responsible for the security and privacy of your exported data

5Analytics and Tracking

We use Google Analytics to understand how visitors interact with our website. This service collects:

Information about your visit duration and pages viewed
Your approximate geographic location
Device and browser information
How you found our website

This data helps us improve our service and is collected in accordance with Google's Privacy Policy. You can opt-out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

6Advertising and Monetization

Our website displays advertisements and contains affiliate links to support our free service. This includes:

Google Ads

We participate in Google AdSense, which may display personalized advertisements based on your interests. Google uses cookies and other tracking technologies to serve relevant ads. You can control ad personalization through your Google Ad Settings.

Display Advertisements

We may display third-party advertisements from various ad networks. These ads may use cookies or similar technologies to track your browsing behavior for advertising purposes.

Affiliate Links

Our website contains affiliate links to financial products and services. When you click these links and make a purchase, we may receive a commission at no additional cost to you. This helps support our free calculator service.

                We maintain editorial independence and only recommend products we believe may be valuable to our users.
            

7External Data Sources

Our financial calculators utilize external APIs and data sources to provide accurate, up-to-date information including:

Currency exchange rates
Interest rates and financial indices
Economic indicators and market data
Inflation rates and historical financial data

While we strive to use reliable data sources, we cannot guarantee the accuracy or completeness of third-party data. Market conditions and rates change frequently, and there may be delays in data updates.

Always verify critical financial information with official sources before making important financial decisions.

8Hosting and Infrastructure

Our website is hosted on Vercel's platform, which provides global content delivery and ensures fast, reliable access to our calculators. Vercel may collect technical information about your connection for performance optimization and security purposes, in accordance with their privacy policy.

9Intellectual Property

The content, design, graphics, and functionality of this website are protected by copyright and other intellectual property laws. You may not:

Copy, modify, or distribute our calculator algorithms
Reverse engineer or attempt to extract our source code
Use our content for commercial purposes without permission
Remove or alter any copyright or proprietary notices

10Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:

Your use or inability to use our service
Any errors or inaccuracies in our calculations or external data
Financial decisions made based on our calculator results
Unauthorized access to or alteration of your data
Third-party advertisements or affiliate product purchases
Service interruptions due to hosting or infrastructure issues
Any other matter relating to our service

You acknowledge that any reliance upon our calculators is at your sole risk.

11Service Availability

While we strive to provide continuous service, we do not guarantee that our website will be available at all times. We reserve the right to:

Temporarily suspend service for maintenance or updates
Modify or discontinue features without notice
Restrict access to certain users or geographic regions

12User Conduct

You agree not to:

Use automated tools to access our service excessively
Attempt to interfere with the proper functioning of our website
Upload malicious code or engage in harmful activities
Violate any applicable laws or regulations
Impersonate others or provide false information
Circumvent or interfere with advertising content
Abuse affiliate links or engage in fraudulent activities

13Modifications to Terms

We reserve the right to modify these terms at any time. When we make changes:

We will update the "Last Updated" date at the top of this page
Significant changes may be highlighted on our website
Your continued use constitutes acceptance of the modified terms

We encourage you to review these terms periodically to stay informed of any updates.

14Governing Law

These terms and conditions are governed by and construed in accordance with the laws of [Your Jurisdiction]. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].

Please update the jurisdiction information to reflect your business location.

15Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable. The invalid provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.