Terms of Service

These Terms of Service ("Terms") govern your access to and use of the YourCalcs website ("Site") and all associated tools, calculators, content, and services. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Acceptance of Terms

By accessing and using this Site, you accept and agree to be bound by these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting. Your continued use of the Site constitutes acceptance of the modified Terms.

2. Description of Service

YourCalcs provides free online financial calculators (mortgage, loan, retirement, and tax), informational blog articles, and related educational content. All tools and content are provided for informational and educational purposes only.

3. Not Financial Advice

The information and tools on this Site do not constitute financial, tax, legal, or investment advice. Calculator results are mathematical estimates based on the inputs you provide and standard financial formulas. They do not account for all possible variables, fees, or individual circumstances. You should not make financial decisions based solely on results from our calculators. Always consult a qualified financial advisor, tax professional, certified public accountant (CPA), or licensed attorney before making significant financial decisions.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, reliability, or timeliness of any information on the Site. Tax brackets, interest rates, financial regulations, and other data may change. We update our tools periodically but cannot guarantee that all information is current at any given moment.

5. User Responsibilities

You agree to:

• Use the Site only for lawful purposes and in accordance with these Terms
• Not attempt to interfere with or disrupt the Site's functionality or infrastructure
• Not use automated tools (bots, scrapers) to access the Site without prior written permission
• Not reproduce, distribute, modify, or create derivative works from our content without permission
• Not use the Site for any commercial purpose without our express written consent
• Not attempt to gain unauthorized access to any part of the Site or its systems

6. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, icons, images, code, calculator designs, and blog articles, is the property of YourCalcs or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, or commercially exploit any content without prior written permission.

7. Third-Party Links and Advertising

The Site may contain links to third-party websites and displays advertisements from third-party advertising networks. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites or services. You access third-party sites at your own risk.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINCALC AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR USE OF OR INABILITY TO USE THE SITE; (B) ANY ERRORS OR INACCURACIES IN CALCULATOR RESULTS OR CONTENT; (C) ANY FINANCIAL DECISIONS MADE BASED ON INFORMATION FROM THE SITE; (D) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; OR (E) ANY OTHER MATTER RELATING TO THE SITE.

10. Indemnification

You agree to indemnify, defend, and hold harmless YourCalcs and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the courts located in Delaware.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Contact

Questions about these Terms? Please visit our Contact page.