Terms of Service

1. Acceptance of Terms

By accessing or using Finlytics.org ("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 the Service.

We reserve the right to modify these Terms at any time. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

2. Description of Service

Finlytics.org provides free online financial calculators and educational content to help users make informed financial decisions. Our calculators include but are not limited to:

• Compound interest and investment calculators
• Mortgage and loan calculators
• Retirement and tax planning tools
• Budget and savings calculators
• Real estate and business calculators

All calculations are performed client-side in your browser. We do not store or transmit your financial data.

3. No Financial Advice

You should consult with qualified financial professionals (certified financial planners, tax advisors, attorneys) before making important financial decisions.

4. Accuracy of Information

While we strive to provide accurate calculators and information, we make no warranties or guarantees regarding:

• The accuracy, completeness, or reliability of calculation results
• The suitability of our calculators for your specific situation
• The currency of tax rates, interest rates, or financial regulations

Calculator results are simplified estimates and may not reflect actual outcomes. Always verify results with professional advisors.

5. User Responsibilities

By using Finlytics.org, you agree to:

• Use the Service for lawful purposes only
• Not attempt to hack, disrupt, or damage the Service
• Not scrape, copy, or reproduce our content without permission
• Not use automated tools to access the Service excessively
• Verify all calculation results independently
• Consult professionals before making financial decisions

6. Intellectual Property

All content on Finlytics.org, including calculator designs, text, graphics, logos, and software, is owned by Finlytics.org or its licensors and is protected by copyright and trademark laws.

You may use our calculators for personal, non-commercial purposes. You may NOT:

• Copy or redistribute our calculators without permission
• Create derivative works based on our content
• Remove copyright or attribution notices
• Use our branding or trademarks without authorization

7. Third-Party Links and Affiliates

Finlytics.org may contain links to third-party websites or affiliate partners (credit cards, investment platforms, financial services). We are not responsible for:

• The content, privacy practices, or terms of third-party sites
• Products or services offered by affiliates or partners
• Transactions between you and third parties

We may receive compensation if you click affiliate links, but this does not affect our calculator accuracy or recommendations.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINLYTICS.ORG AND ITS OWNERS, OPERATORS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

• Any financial losses resulting from use of our calculators
• Inaccurate calculations or outdated information
• Service interruptions, errors, or data loss
• Decisions made based on calculator results
• Indirect, incidental, or consequential damages

YOUR USE OF FINLYTICS.ORG IS AT YOUR OWN RISK. THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

9. Indemnification

You agree to indemnify and hold harmless Finlytics.org from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights

10. Privacy

Your use of Finlytics.org is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use information.

11. Termination

We reserve the right to terminate or suspend access to the Service at any time, without notice, for any reason, including violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved in the appropriate courts.

13. Severability

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

14. Contact Information

For questions about these Terms, please contact us at: