Terms of Service

Agreement to Terms

By accessing and using FinTools ("the 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.

These Terms apply to all visitors, users, and others who access or use the Service. We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

Description of Service

FinTools provides free online financial calculators, educational content, and related tools. Our services include but are not limited to:

• Mortgage and home affordability calculators
• Retirement planning tools (401k, IRA, FIRE)
• Tax estimation calculators
• Investment and compound interest calculators
• Debt payoff and budgeting tools
• Educational articles and financial glossary

Use License

Permission is granted to temporarily access and use the Service for personal, non-commercial purposes. This license does not include:

• Modifying or copying our materials for redistribution
• Using materials for any commercial purpose
• Attempting to reverse engineer any software on the site
• Removing any copyright or proprietary notations
• Transferring the materials to another person or "mirroring" the content

This license shall automatically terminate if you violate any of these restrictions.

Disclaimer of Financial Advice

All calculators, estimates, and content provided on FinTools are for educational and informational purposes only. Our tools should not be considered:

• Professional financial advice
• Tax preparation or planning advice
• Legal or investment recommendations
• A substitute for consultation with qualified professionals

Always consult with a qualified financial advisor, CPA, or attorney before making important financial decisions.

Accuracy of Information

While we strive to maintain accurate and up-to-date information:

• Tax brackets and regulations may change without immediate updates
• Calculator results are estimates based on the inputs you provide
• Interest rates, returns, and other figures are hypothetical projections
• Actual results may vary significantly from calculated estimates

We do not guarantee the accuracy, completeness, or timeliness of any information provided.

User Responsibilities

As a user of FinTools, you agree to:

• Provide accurate information when using our calculators
• Use the Service only for lawful purposes
• Not attempt to disrupt or interfere with the Service
• Not use automated systems to access the Service without permission
• Not collect user information without consent
• Verify all calculations independently before making financial decisions

Limitation of Liability

To the fullest extent permitted by law, FinTools and its operators shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from use or inability to use the Service
• Damages arising from decisions made based on our calculators
• Errors or omissions in content or calculations

This limitation applies regardless of the legal theory under which damages are sought.

Intellectual Property

All content on FinTools, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of FinTools or its content suppliers and is protected by international copyright laws. The compilation of all content on this site is the exclusive property of FinTools.

Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by FinTools. 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 FinTools shall not be responsible or liable for any damage or loss caused by the use of such content or services.

Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of appropriate jurisdiction.

Contact Us

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