Terms of Service

Please read these terms carefully before using our financial calculators and services.

Effective Date: January 1, 2024

Last Updated: January 1, 2024

Acceptance of Terms

Welcome to FinanceTools.info. These Terms of Service ("Terms") govern your use of our website located at financetools.info (the "Service") operated by FinanceTools.info ("us," "we," or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service.

Description of Service

FinanceTools.info provides free online financial calculators and educational resources designed to help users make informed financial decisions. Our Service includes but is not limited to:

  • Loan and mortgage calculators
  • Tax and income calculators
  • Investment and interest calculators
  • Retirement planning tools
  • Asset management and budgeting tools
  • Inflation analysis tools
  • Educational content and financial guidance

Eligibility

To use our Service, you must:

  • Be at least 13 years of age
  • Have the legal capacity to enter into these Terms
  • Not be prohibited from using the Service under applicable law
  • Provide accurate information when using our calculators

Use of Service

Permitted Uses

You may use our Service for:

  • Personal financial planning and education
  • Professional reference (with appropriate disclaimers to clients)
  • Educational purposes in academic or training settings
  • Research and analysis for legitimate business purposes

Prohibited Uses

You may not use our Service:

  • For any unlawful purpose or to solicit unlawful acts
  • To violate any international, federal, provincial, or state regulations or laws
  • To transmit harmful, threatening, abusive, or harassing material
  • To attempt to gain unauthorized access to our systems
  • To interfere with or disrupt the Service or servers
  • To spam, phish, pharm, pretext, spider, crawl, or scrape
  • For any immoral or destructive purpose
  • To infringe upon or violate others' intellectual property rights
  • To republish our content without permission
  • To reverse engineer or attempt to extract source code

Educational Purpose and Disclaimers

For Educational Purposes Only

IMPORTANT: Our calculators and content are provided for educational and informational purposes only. They are not intended to provide specific financial, investment, tax, legal, or accounting advice.

Not Professional Advice

The information and calculations provided by our Service:

  • Should not be considered as personalized financial advice
  • Are general in nature and may not apply to your specific situation
  • Should not replace consultation with qualified professionals
  • May not reflect current market conditions or regulatory changes

Accuracy of Calculations

While we strive to provide accurate calculations:

  • We cannot guarantee the accuracy of all calculations
  • Results may vary based on individual circumstances
  • You should verify calculations independently
  • Tax calculations are estimates and may not reflect all applicable laws
  • Interest rates and terms may change frequently

Intellectual Property Rights

Our Content

The Service and its original content, features, and functionality are and will remain the exclusive property of FinanceTools.info and its licensors. The Service is protected by copyright, trademark, and other laws.

Your Content

Our Service may allow you to post, link, store, share and otherwise make available certain information or content. You retain ownership of any intellectual property rights that you hold in that content.

License to Use

We grant you a limited, non-exclusive, non-transferable license to use our Service for personal, educational, or professional reference purposes, subject to these Terms.

Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

Third-Party Services

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

Disclaimer of Warranties

THE INFORMATION AND SERVICES ON THIS WEBSITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • The implied warranties of merchantability and fitness for a particular purpose
  • The accuracy, reliability, or completeness of calculations
  • That the Service will meet your requirements
  • That the Service will be uninterrupted, timely, secure, or error-free
  • That defects will be corrected

Limitation of Liability

IN NO EVENT SHALL FINANCETOOLS.INFO, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR:

  • Any indirect, incidental, special, consequential, or punitive damages
  • Any loss of profits, revenues, data, use, goodwill, or other intangible losses
  • Any damages resulting from your use or inability to use the Service
  • Any damages resulting from reliance on calculations or information provided
  • Any financial losses resulting from decisions made based on our tools

WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

Indemnification

You agree to defend, indemnify, and hold harmless FinanceTools.info 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).

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 the United States, 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.

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

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:

Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the sole and entire agreement between you and FinanceTools.info regarding the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

Professional Advice Recommendation

We strongly recommend that you consult with qualified financial, tax, legal, and accounting professionals regarding your specific situation before making any financial decisions. Our tools are designed to supplement, not replace, professional advice.

Important Reminders

  • Calculations are estimates and should be verified independently
  • Tax laws change frequently and vary by jurisdiction
  • Interest rates and terms vary between lenders and may change
  • Personal circumstances can significantly affect financial outcomes
  • Professional advice is recommended for major financial decisions

By using FinanceTools.info, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.