Terms of Service

1. Acceptance of Terms

By accessing and using Financial Calculators ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Financial Calculators provides free online financial calculation tools including but not limited to:

• Retirement planning calculators
• Mortgage and loan calculators
• Tax estimation tools
• Investment calculators (SIP, compound interest)
• Educational content and blog articles

3. User Responsibilities

You agree to:

• Use the Service for lawful purposes only
• Provide accurate information when using our calculators
• Not attempt to interfere with or disrupt the Service
• Not use automated systems to access the Service without permission
• Not reproduce, duplicate, or copy any part of the Service without authorization

4. Disclaimer of Financial Advice

5. Accuracy of Calculations

While we strive to ensure accuracy, we make no warranties or guarantees about:

• The accuracy, completeness, or reliability of calculation results
• The suitability of results for your specific situation
• The applicability of results to current tax laws or regulations

You are solely responsible for verifying all calculations and consulting with appropriate professionals.

6. Intellectual Property

All content on this website, including text, graphics, logos, calculator algorithms, and software, is the property of Financial Calculators and is protected by copyright and intellectual property laws.

You may use our calculators for personal, non-commercial purposes. You may not reproduce, redistribute, or create derivative works without written permission.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for any direct, indirect, incidental, or consequential damages
• We are not responsible for financial decisions made based on our calculators
• We are not liable for any losses, including financial losses, arising from use of our Service
• Our total liability shall not exceed $100 USD

8. Third-Party Links and Content

Our Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party sites is at your own risk.

9. Advertising

We display third-party advertisements (via Google AdSense) on our website. We do not endorse any products or services advertised. Advertisers are responsible for ensuring their ads comply with applicable laws.

10. Service Availability

We strive to maintain continuous availability but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

11. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review it to understand our data practices.

12. Modifications to Terms

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

13. Governing Law

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

14. Contact Information

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