Terms of Service

1. Acceptance of Terms

Welcome to FinanceTools Hub. These Terms of Service ("Terms") govern your use of our website located at allfinancetools.com (the "Service") operated by FinanceTools Hub ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

FinanceTools Hub provides free financial calculators and tools designed to help users make informed financial decisions. Our services include but are not limited to:

• Home loan and mortgage calculators
• Credit card and debt calculators
• Personal and auto loan calculators
• Insurance premium calculators
• Financial planning tools
• Educational content and blog articles

3. User Responsibilities

3.1 Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates applicable laws or regulations
• Transmit or send unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to our systems or networks
• Use automated systems to access the Service without permission
• Interfere with or disrupt the Service or servers connected to the Service
• Impersonate any person or entity or misrepresent your affiliation

3.2 Account Security

While we do not require account creation for basic use of our calculators, if you choose to subscribe to our newsletter or contact us, you are responsible for maintaining the confidentiality of any information you provide.

4. Intellectual Property Rights

4.1 Our Content

The Service and its original content, features, and functionality are and will remain the exclusive property of FinanceTools Hub and its licensors. The Service is protected by copyright, trademark, and other laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.

4.3 Restrictions

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use our content for commercial purposes without written permission
• Remove or alter any copyright, trademark, or other proprietary notices
• Reverse engineer or attempt to extract source code from our calculators

5. Disclaimers and Limitations

5.1 Educational Purpose

Important: Our calculators and tools are provided for educational and estimation purposes only. The results should not be considered as professional financial advice, and we strongly recommend consulting with qualified financial professionals before making significant financial decisions.

5.2 Accuracy Disclaimer

While we strive to ensure the accuracy of our calculators and information, we make no warranties or representations about the accuracy, reliability, completeness, or timeliness of the content. Financial calculations may vary based on numerous factors not accounted for in our tools.

5.3 No Financial Advice

We are not licensed financial advisors, and nothing on this website should be construed as personalized financial advice. Always consult with qualified professionals for advice specific to your financial situation.

6. Limitation of Liability

To the fullest extent permitted by applicable law, FinanceTools Hub shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use of or inability to use the Service
• Any unauthorized access to or use of our servers and/or personal information
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, or similar harmful code that may be transmitted through the Service
• Any errors or omissions in content or for any loss or damage incurred as a result of calculations

7. Indemnification

You agree to defend, indemnify, and hold harmless FinanceTools Hub and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the Service or violation of these Terms.

8. Privacy Policy

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

9. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not owned or controlled by FinanceTools Hub. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

10. Modifications to Service

We reserve the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

11. Changes to Terms

We reserve the right to update or change our Terms of Service at any time. We will notify you of any changes by posting the new Terms of Service on this page and updating the "Last updated" date. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms of Service.

12. Termination

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

13. Governing Law

These Terms shall be interpreted and governed by the laws of the State of New York, 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.

14. Severability

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

15. Age Restrictions

Our Service is intended for users who are at least 13 years old. If you are under 13, you may not use our Service. If you are between 13 and 18, you may only use our Service with the involvement of a parent or guardian.

16. Accessibility

We are committed to making our Service accessible to all users. If you experience any accessibility issues, please contact us so we can work to resolve them.

17. Contact Information

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

18. Effective Date

These Terms of Service are effective as of December 15, 2024, and will remain in effect except with respect to any changes in their provisions in the future, which will be in effect immediately after being posted on this page.