Terms of Service

01Acceptance of terms

By accessing or using our calculators and website, you confirm that you can form a binding contract and that you accept these terms and our Privacy Policy.

02Use of the service

You may use the calculators freely for personal and commercial purposes. You agree not to:

• misuse the service or attempt to disrupt, overload, or reverse-engineer it;
• use automated means to scrape or copy the site at scale without permission;
• use the site for any unlawful purpose or in violation of these terms.

03No professional advice

The calculators and content are provided for general informational and educational purposes only. They are not financial, investment, tax, legal, medical or other professional advice.

Results are estimates based on the inputs you provide and standard formulas; they may not reflect your individual circumstances. Always consult a qualified professional before making financial or health decisions.

04Accuracy and availability

The service is provided "as is" and "as available". While we work hard to ensure our formulas and results are accurate, we do not warrant that the site will be uninterrupted, error-free, or that any result is suitable for a particular purpose.

05Intellectual property

The site design, text, and software are owned by us or our licensors and are protected by applicable laws. You may not copy or redistribute substantial portions of the site without permission.

06Third-party links and advertising

The site may contain links to third-party websites or display advertising. We are not responsible for the content, products, or practices of third parties.

07Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, or consequential damages, or for any loss arising from reliance on a calculation or content provided by the site.

08Changes to these terms

We may revise these terms at any time. Continued use of the site after changes take effect constitutes acceptance of the revised terms.

09Governing law

These terms are governed by the laws of the jurisdiction in which the site operator is established, without regard to conflict-of-law principles.

10Contact us

Questions about these terms can be sent through our Contact page.