Terms of Service

1. Acceptance of Terms

Welcome to Finance Calculator Pro. By accessing or using our website, mobile application, or any related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and Finance Calculator Pro ("we," "us," or "our"). We reserve the right to update, change, or replace any part of these Terms at our sole discretion. Your continued use of the Service following any changes constitutes acceptance of those changes.

2. Description of Service

Finance Calculator Pro provides free online financial calculators and educational content to help users make informed financial decisions. Our Service includes, but is not limited to:

• Mortgage and loan calculators
• Investment and retirement planning tools
• Debt payoff and budget calculators
• Tax and savings goal calculators
• Financial education articles and resources

All calculations are performed locally in your browser. We do not store, transmit, or have access to the financial data you enter into our calculators.

3. Eligibility

You must be at least 13 years of age to use our Service. By using the Service, you represent and warrant that:

• You are at least 13 years old
• You have the legal capacity to enter into these Terms
• You will use the Service in compliance with these Terms and all applicable laws
• All information you provide is accurate, current, and complete

If you are under 18 years of age, you may only use the Service with the involvement and consent of a parent or legal guardian.

4. Use of Service

4.1 Permitted Use

You may use our Service for lawful, personal, non-commercial purposes. You agree to use the Service only for purposes that are legal, proper, and in accordance with these Terms.

4.2 Prohibited Activities

You agree NOT to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws, regulations, or third-party rights
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers
• Use automated systems (bots, scrapers, spiders) to access the Service
• Copy, modify, distribute, or reverse-engineer any part of the Service
• Remove or alter any copyright, trademark, or proprietary notices
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users or our staff
• Impersonate any person or entity
• Collect or store personal data of other users
• Use the Service to send spam or unsolicited communications

5. Intellectual Property Rights

5.1 Ownership

The Service, including all content, features, functionality, software, code, designs, graphics, text, images, logos, and trademarks, is owned by Finance Calculator Pro, its licensors, or other content providers. All rights are reserved.

Our Service is protected by copyright, trademark, and other intellectual property laws of the United States and foreign countries. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of our content without our express written permission.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Service for personal, non-commercial purposes, subject to these Terms. This license does not include any right to:

• Resell or make commercial use of the Service
• Download or copy content (except for temporary caching)
• Use data mining, robots, or similar data gathering tools
• Frame or mirror any part of the Service

5.3 User Content

If you submit comments, feedback, suggestions, or other content to us ("User Content"), you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, publish, and distribute such content for any purpose.

6. Disclaimer of Warranties

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Service will be accurate or reliable
• The quality of any products, services, information, or other material obtained through the Service will meet your expectations
• Any errors in the Service will be corrected

Your use of the Service is at your sole risk. We make no representations about the suitability, reliability, availability, timeliness, or accuracy of the Service for any purpose.

7. Not Financial, Legal, or Tax Advice

Our Service does NOT constitute:

• Financial advice or investment recommendations
• Tax advice or tax preparation services
• Legal advice or legal representation
• Professional consulting of any kind
• A substitute for professional financial planning

You should always consult with qualified professionals (certified financial planners, tax advisors, attorneys, accountants) before making any financial, legal, or tax decisions. Every individual's situation is unique, and professional advice is essential for making informed decisions.

The calculations provided by our tools are based on the information you input and general mathematical formulas. They may not account for all factors relevant to your specific situation, including but not limited to:

• Changes in tax laws or interest rates
• Individual tax circumstances
• State or local regulations
• Market fluctuations and economic conditions
• Hidden fees or costs
• Personal risk tolerance and financial goals

8. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no guarantees about the accuracy, completeness, or reliability of any content on our Service. Information may contain technical inaccuracies, typographical errors, or become outdated.

Calculator results are estimates based on the data you provide and should not be considered exact figures. Actual results may vary. We are not responsible for any decisions you make based on information obtained through our Service.

We reserve the right to make changes to our content, calculations, or Service at any time without notice.

9. Limitation of Liability

• Your access to or use of (or inability to access or use) the Service
• Any conduct or content of any third party on the Service
• Any financial decisions made based on our calculators or content
• Unauthorized access, use, or alteration of your transmissions or content
• Errors, mistakes, or inaccuracies in our content or calculations
• Personal injury or property damage resulting from your use of the Service
• Interruption or cessation of transmission to or from the Service
• Bugs, viruses, or other harmful code transmitted through the Service

Our total liability to you for all claims arising from or related to the Service shall not exceed the amount you paid to us (if any) in the 12 months prior to the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless Finance Calculator Pro, its officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use or misuse of the Service
• Your violation of any law or the rights of a third party
• Any User Content you submit or transmit through the Service
• Any financial decisions you make based on our Service

11. Third-Party Links and Services

Our Service may contain links to third-party websites, advertisers, or services that are not owned or controlled by Finance Calculator Pro. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

We do not endorse or make any representations about third-party websites or resources. You access third-party websites at your own risk and should review their terms and privacy policies.

You acknowledge and agree that Finance Calculator Pro shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services.

12. Advertising

Our Service displays third-party advertisements, including Google AdSense ads. We do not control the content of these advertisements and do not endorse any products or services advertised.

Advertisers are solely responsible for ensuring that their ads comply with all applicable laws and regulations. Your interactions with advertisers found on the Service are solely between you and the advertiser.

13. Termination

We reserve the right to terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Upon request by law enforcement or government agencies
• Discontinuation or material modification of the Service

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in [Your State/County], and you hereby consent to personal jurisdiction and venue therein.

You agree that any claim or dispute you may have against us must be resolved exclusively by a state or federal court located in [Your State/County]. You agree to submit to the personal jurisdiction of the courts located within [Your State/County] for the purpose of litigating all such claims or disputes.

15. Dispute Resolution

15.1 Informal Resolution

Before filing a claim, you agree to try to resolve the dispute informally by contacting us at contact@financecalculatorpros.com. We'll try to resolve the dispute informally by contacting you via email.

15.2 Arbitration Agreement

If we cannot resolve the dispute within 30 days, either party may submit the dispute to binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will take place in [Your City, State].

15.3 Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not in a class, consolidated, or representative action. You waive your right to participate in a class action lawsuit or class-wide arbitration.

16. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If we make material changes, we will provide notice by:

• Posting the new Terms on this page
• Updating the "Effective Date" at the top
• Sending an email notification (if we have your email)
• Displaying a prominent notice on our website

Your continued use of the Service after any changes indicates your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Service.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if that is not possible, severed from these Terms. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and Finance Calculator Pro regarding your use of the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

19. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

20. Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign these Terms at any time without notice to you.

21. Contact Information

If you have any questions, comments, or concerns about these Terms of Service, please contact us at: