Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of FinanceTools website and services ("Service"). By accessing or using our Service, you agree to these Terms.

1.1 Eligibility

You must be at least 18 years old to use our Service. By using FinanceTools, you represent that you are at least 18.

1.2 Modifications

We reserve the right to modify these Terms at any time. We will notify users of significant changes via our website.

2. Description of Service

2.1 Free Financial Calculators

FinanceTools provides free financial calculators for educational and informational purposes:

• Loan EMI calculators
• Investment return calculators
• Tax calculation tools
• Retirement planning calculators
• Other financial planning tools

2.2 No Financial Advice

3. User Responsibilities

3.1 Accurate Information

You agree to provide accurate information when using our calculators. Results depend on the accuracy of your inputs.

3.2 Prohibited Activities

You agree not to:

• Use the Service for illegal purposes
• Attempt to hack or disrupt the Service
• Scrape or copy our content without permission
• Misrepresent our calculators as financial advice
• Use automated tools to access our Service excessively

4. Intellectual Property

4.1 Ownership

All content, features, and functionality on FinanceTools are owned by us and are protected by copyright laws.

4.2 License

We grant you a limited, non-exclusive, non-transferable license to use our Service for personal, non-commercial purposes.

4.3 Restrictions

You may not:

• Copy, modify, or create derivative works
• Use our content for commercial purposes without permission
• Remove any copyright notices
• Reverse engineer our algorithms

5. Disclaimer of Warranties

5.1 Financial Decisions

You acknowledge that financial decisions based on our calculators are made at your own risk. We are not responsible for any financial losses.

6. Limitation of Liability

6.1 No Liability

To the maximum extent permitted by law, FinanceTools shall not be liable for:

• Direct, indirect, incidental, or consequential damages
• Financial losses from using our calculators
• Errors or omissions in calculations
• Service interruptions or data loss

6.2 Jurisdiction

These Terms shall be governed by the laws of India. Any disputes shall be resolved in the courts of Delhi.

7. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the content or practices of these sites.

8. Termination

We may terminate or suspend your access to our Service immediately, without prior notice, for any violation of these Terms.

9. Contact Information

For questions about these Terms: