Terms & Conditions

Last Updated: 02/06/2025

1. Acceptance of Terms

By accessing and using this personal finance planning tool ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Service.

2. Description of Service

This Service provides personal finance planning tools, calculators, and related features designed to help users organize and plan their financial information. The Service is intended solely as a computational and organizational tool.

3. No Financial Advice Disclaimer

IMPORTANT: This Service does not provide financial advice, investment advice, tax advice, legal advice, or any other professional advice. The Service is purely a computational and organizational tool designed to help you with financial planning calculations and data organization.

  • All information, tools, and calculations provided are for informational and educational purposes only
  • No content on this Service should be construed as professional financial advice or recommendations
  • You should not make any financial decisions based solely on the information or calculations provided by this Service
  • Always consult with qualified financial advisors, tax professionals, or other appropriate professionals before making financial decisions
  • We strongly recommend seeking independent professional advice tailored to your specific circumstances

4. Calculation Accuracy and Errors

While we make every reasonable effort to ensure the accuracy of our calculations, formulas, and computational tools:

  • No Guarantee of Accuracy: We do not guarantee that all calculations, results, or information provided will be accurate, complete, or error-free
  • User Responsibility: You are solely responsible for verifying all calculations and results before relying on them
  • No Liability for Errors: We accept no responsibility or liability for any errors, inaccuracies, or omissions in calculations or results
  • Best Efforts: We employ reasonable care in developing and maintaining our calculation tools, but mathematical or programming errors may occur
  • Independent Verification: Always independently verify important calculations using alternative methods or professional consultation

5. Limitation of Liability

To the fullest extent permitted by applicable law:

  • Maximum Liability: Our total liability to you for all damages, losses, and causes of action shall not exceed the amount you have paid us for the Service in the twelve (12) months preceding the claim
  • Exclusion of Damages: We 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
  • Financial Losses: We are not liable for any financial losses, investment losses, tax penalties, or other monetary damages resulting from your use of the Service
  • Third-Party Actions: We are not responsible for any actions taken by third parties based on information from our Service

6. Limited Warranty and Best Efforts

While we make reasonable efforts to provide accurate calculations, maintain service availability, and implement appropriate security measures, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

Our Commitment:

  • We employ reasonable care and industry-standard practices in developing and maintaining the Service
  • We strive to provide accurate calculations and reliable functionality
  • We implement reasonable security measures to protect the Service
  • We work to maintain service availability, though interruptions may occur

Warranty Disclaimers:

  • Implied Warranties: We disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Accuracy: Despite our best efforts, we cannot warrant that the Service will be completely accurate, reliable, or error-free
  • Availability: We cannot guarantee that the Service will be available at all times or free from interruptions
  • Security: While we implement security measures, we cannot warrant that the Service will be completely secure or free from all vulnerabilities
  • Results: We make no warranty regarding the specific results you may obtain from using the Service

7. User Responsibilities

By using this Service, you agree to:

  • Use the Service only for lawful purposes and in accordance with these Terms
  • Not rely solely on the Service for important financial decisions
  • Verify all calculations and seek professional advice when appropriate
  • Maintain the confidentiality of your account information
  • Not attempt to reverse engineer, modify, or interfere with the Service

8. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

9. Modifications to Terms

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

10. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time with or without notice. We shall not be liable for any modification, suspension, or discontinuation of the Service.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms constitute the entire agreement between you and us regarding the use of the Service and supersede all prior agreements and understandings.