Terms of Service

Welcome to Financial Calculators. By accessing or using our website and calculator tools ("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.

1. Acceptance of Terms

By using this website, you:

• Confirm you are at least 18 years old or have parental/guardian permission
• Agree to comply with all applicable laws and regulations
• Accept these Terms and our Privacy Policy
• Acknowledge the limitations described in our Disclaimer

2. Description of Service

We provide free online financial calculators including but not limited to:

• State paycheck and tax calculators
• Mortgage and loan calculators
• Retirement and investment calculators
• Financial planning tools
• Educational content about personal finance

Important: Our calculators provide estimates for educational purposes only. See our Disclaimer for full details.

3. Use of Service

3.1 Permitted Use

You may use our Service for:

• Personal financial planning and education
• Estimating taxes and take-home pay
• Comparing different financial scenarios
• General informational purposes

3.2 Prohibited Use

You may NOT:

• Use our calculators for commercial purposes without permission
• Scrape, copy, or reproduce our calculator code without authorization
• Attempt to reverse engineer or decompile our calculators
• Use automated tools or bots to access our Service
• Interfere with or disrupt the Service or servers
• Circumvent any security features or access restrictions
• Use the Service for any illegal purpose
• Distribute malware, viruses, or harmful code
• Impersonate any person or entity
• Violate any applicable laws or regulations

4. Intellectual Property

4.1 Our Content

All content on this website, including but not limited to:

• Calculator code and algorithms
• Text, images, and graphics
• Website design and layout
• Trademarks and logos

Is owned by or licensed to Financial Calculators and is protected by copyright, trademark, and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our calculators for personal, non-commercial purposes
• Print calculator results for your personal records
• Share links to our calculators (but not copy the calculator code)

4.3 Restrictions

You may NOT:

• Copy, reproduce, or republish our calculator code
• Create derivative works based on our calculators
• Remove copyright or proprietary notices
• Use our content for commercial purposes without written permission

5. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy to understand how we collect and use information.

6. Disclaimers and Limitations

6.1 No Warranty

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy or reliability of calculator results
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Security or freedom from viruses

6.2 Not Professional Advice

Our calculators do NOT constitute professional financial, tax, legal, or investment advice. Always consult qualified professionals for personalized guidance.

6.3 Limitation of Liability

To the fullest extent permitted by law, we shall NOT be liable for:

• Any direct, indirect, incidental, or consequential damages
• Financial losses resulting from use of our calculators
• Tax penalties or additional payments due to inaccurate estimates
• Business interruption or loss of profits
• Errors, omissions, or outdated information
• Third-party actions or content

Your sole remedy for dissatisfaction with the Service is to stop using it.

7. Indemnification

You agree to indemnify, defend, and hold harmless Financial Calculators, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or actions you take on the Service

8. Third-Party Services

8.1 Google AdSense

We use Google AdSense to display advertisements. By using our Service, you agree to Google's use of cookies for personalized advertising. You may opt out via Google Ads Settings.

8.2 Google Analytics

We use Google Analytics to analyze website traffic. Google Analytics collects anonymous usage data. You may opt out via the Google Analytics Opt-out Browser Add-on.

8.3 External Links

Our website may contain links to third-party sites. We are not responsible for:

• The content or accuracy of external sites
• Privacy practices of third-party sites
• Any damages resulting from visiting external sites

9. Changes to Service

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Update calculator algorithms and tax rates
• Change features or functionality
• Implement usage limits or restrictions

We will make reasonable efforts to notify users of significant changes but are not obligated to do so.

10. Changes to Terms

We may update these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

We encourage you to review these Terms periodically.

11. Termination

We may terminate or suspend your access to the Service:

• Immediately, without notice, for any violation of these Terms
• For any reason, at our sole discretion
• If we believe you pose a security or legal liability

Upon termination:

• Your right to use the Service ceases immediately
• You must stop accessing the Service
• Sections of these Terms that should survive termination will continue to apply

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of [Your State], without regard to conflict of law principles.

Any disputes arising from these Terms or the Service shall be resolved in the courts located in [Your County], [Your State].

13. Dispute Resolution

13.1 Informal Resolution

Before filing any legal claim, you agree to first contact us to attempt to resolve the dispute informally. We will work with you in good faith to resolve any issues.

13.2 Arbitration

If informal resolution fails, any disputes shall be resolved through binding arbitration rather than in court, except you may bring claims in small claims court if they qualify.

13.3 Class Action Waiver

You agree to bring any disputes in your individual capacity and not as part of any class or representative action.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, or if that's not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Financial Calculators regarding the Service and supersede any prior agreements.

16. Contact Information

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

• Email: contact@[yourdomain].com
• Contact Form: Contact Us

17. Acknowledgment

By using this Service, you acknowledge that:

• ✓ You have read and understood these Terms
• ✓ You agree to be bound by these Terms
• ✓ You understand the limitations and disclaimers
• ✓ You will use the Service responsibly and legally