Terms of Service

Agreement to Terms

By accessing or using Finance Calc Lab ("the Website," "we," "our," or "us"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.

Use License

Permission is granted to temporarily access and use the calculators and materials on Finance Calc Lab for personal, non-commercial use only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Finance Calc Lab at any time.

Acceptable Use

You agree to use Finance Calc Lab only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use of the website. Prohibited behavior includes:

• Harassing or causing distress or inconvenience to any person
• Transmitting obscene or offensive content
• Disrupting the normal flow of dialogue within the website
• Using automated systems or software to extract data from the website ("scraping")
• Attempting to gain unauthorized access to computer systems or networks

Educational Purpose & Disclaimer

Important: All calculators, tools, and content on this website are provided for educational and informational purposes only. They are not intended to be professional financial, investment, tax, or legal advice.

You use this website and its calculators at your own risk, and we do not accept liability for any outcomes or losses.

For full details, please read our comprehensive Disclaimer.

Accuracy of Calculators

While we strive to ensure that our calculators are accurate and up-to-date, we make no representations or warranties of any kind about:

• The accuracy, reliability, or completeness of calculator results
• The suitability of calculations for your specific financial situation
• The availability or accessibility of the calculators at all times

Calculator results are estimates based on the information you provide and standard financial formulas. Actual results may vary.

Intellectual Property

The content, organization, graphics, design, compilation, and other matters related to Finance Calc Lab are protected under applicable copyrights, trademarks, and other proprietary rights. The copying, redistribution, use, or publication by you of any such matters is strictly prohibited without our express written permission.

User-Generated Content

If we provide features that allow you to submit content, comments, or feedback, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, modify, and distribute such content. You represent and warrant that:

• You own or have the necessary rights to the content you submit
• The content does not infringe on any third-party rights
• The content is not defamatory, obscene, or otherwise unlawful

Links to Third-Party Websites

Our website may contain links to third-party websites or services that are not owned or controlled by Finance Calc Lab. 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 Finance Calc Lab shall not be responsible or liable for any damage or loss caused by your use of any third-party websites or services.

Limitation of Liability

In no event shall Finance Calc Lab, its owners, employees, or affiliates be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with:

• Your use of or inability to use the website or calculators
• Any financial decisions made based on calculator results
• Unauthorized access to or alteration of your transmissions or data
• Any other matter relating to the website

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Finance Calc Lab and its affiliates from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of your use or misuse of the website, violation of these Terms, or infringement of any intellectual property or other rights of any person or entity.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new Terms of Service.

We encourage you to review these terms periodically to stay informed of updates.

Termination

We may terminate or suspend your access to the website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms of Service.

Upon termination, your right to use the website will immediately cease.

Governing Law

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

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. These Terms constitute the entire agreement between us regarding our website and supersede any prior agreements.

Contact Us

If you have any questions about these Terms of Service, you can contact us at danghuong2092c@gmail.com.

Related Policies

Please also review our:

• Privacy Policy - How we collect and use your information
• Disclaimer - Important limitations and warnings