Terms of Service

1. Agreement to Terms

By accessing or using FinCalc Pro ("Service"), operated by FinCalc Pro Inc. ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service. We reserve the right to update and change these Terms at any time without notice. Continued use of the Service after any such changes constitutes acceptance of the new Terms.

2. Use License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Service for personal, non-commercial purposes
• Use our financial calculators for legitimate financial planning and analysis
• Download and print results from calculators for personal use
• Embed our calculators on your website using our provided embed codes

This license does not include the right to:

• Modify, copy, or create derivative works based on the Service
• Reverse engineer or attempt to extract the source code
• Use the Service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction

3. Disclaimer of Financial Advice

The calculators and tools provided are for informational and educational purposes only. They are not intended to be, and should not be construed as, financial advice. The calculations are based on the information you provide and mathematical formulas, but:

• Results are estimates and may not reflect actual investment returns
• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal
• Tax implications may vary based on individual circumstances

Always consult with qualified professionals (financial advisors, tax professionals, attorneys) before making any financial decisions.

4. User Responsibilities

By using our Service, you agree to:

• Provide accurate and complete information when using our calculators
• Use the Service only for lawful purposes
• Not attempt to interfere with or disrupt the Service
• Not attempt to gain unauthorized access to any portion of the Service
• Not use automated systems or software to extract data from the Service
• Not transmit any viruses, worms, or malicious code
• Comply with all applicable laws and regulations

5. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of FinCalc Pro Inc. and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You retain ownership of any data you input into our calculators. By using the Service, you grant us a limited license to process this data solely for the purpose of providing the Service to you.

6. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

We prioritize your privacy. Calculator inputs and results are processed locally in your browser and are not transmitted to our servers unless you explicitly choose to share or save them.

7. Third-Party Links and Services

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

You acknowledge and agree that we 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 the use of or reliance on any such content, goods, or services available on or through any such websites or services.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FINCALC PRO INC., ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Service
• Any errors, mistakes, or inaccuracies in calculations
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, or trojan horses transmitted through the Service
• Any financial decisions made based on the Service's output

9. Indemnification

You agree to defend, indemnify, and hold harmless FinCalc Pro Inc. and its licensees 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), resulting from or arising out of:

• Your use and access of the Service
• Your violation of any term of these Terms
• Your violation of any third-party right
• Any content or data you submit to the Service

10. Termination

We may terminate or suspend your access to the Service 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. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from the Service will be accurate or reliable
• The quality of the Service will meet your expectations
• Any errors in the Service will be corrected

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of California, 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.

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

13. International Use

The Service is controlled and operated from the United States. We make no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are responsible for compliance with local law.

14. 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. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements.

15. Contact Information

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

16. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU SHOULD NOT USE THE SERVICE.