Terms & Conditions

1. Acceptance of Terms

By accessing and using SimpleFinTools ("the Website"), 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.

These Terms and Conditions ("Terms") govern your use of our website located at simplefintools.com and any related services provided by SimpleFinTools.

2. Description of Service

SimpleFinTools provides free financial calculators and educational tools designed to help users make informed financial decisions. Our services include:

• Financial calculators for mortgages, loans, investments, and budgeting
• Educational content and financial planning guides
• Free access to financial tools and resources
• Mobile-responsive website design

3. Use License

Permission is granted to temporarily access the materials on SimpleFinTools for personal, non-commercial transitory viewing 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 reverse engineer any software contained 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

4. Disclaimer

The materials on SimpleFinTools are provided on an 'as is' basis. SimpleFinTools makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, SimpleFinTools does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

5. Limitations

In no event shall SimpleFinTools or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on SimpleFinTools, even if SimpleFinTools or a SimpleFinTools authorized representative has been notified orally or in writing of the possibility of such damage.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

6. Accuracy of Materials

The materials appearing on SimpleFinTools could include technical, typographical, or photographic errors. SimpleFinTools does not warrant that any of the materials on its website are accurate, complete, or current. SimpleFinTools may make changes to the materials contained on its website at any time without notice.

However, SimpleFinTools does not make any commitment to update the materials.

7. Links

SimpleFinTools has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by SimpleFinTools of the site. Use of any such linked website is at the user's own risk.

8. Modifications

SimpleFinTools may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

9. Governing Law

These terms and conditions are governed by and construed in accordance with the laws and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

10. Financial Advice Disclaimer

The information provided on SimpleFinTools is for educational and informational purposes only. It is not intended to be and should not be construed as financial advice. The calculators and tools provided are meant to assist in financial planning but should not be the sole basis for financial decisions.

We strongly recommend that you:

• Consult with qualified financial professionals before making significant financial decisions
• Consider your individual circumstances and financial situation
• Research and understand the products and services you are considering
• Review all terms and conditions of any financial products or services

11. User Conduct

You agree not to use the website to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Use automated tools to access or scrape the website

12. Intellectual Property

The content, design, and functionality of SimpleFinTools are protected by copyright, trademark, and other intellectual property laws. All rights are reserved by SimpleFinTools.

You may not reproduce, distribute, or create derivative works from any content on this website without our express written permission.

13. Privacy

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

14. Termination

We may terminate or suspend your access to our website 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 website will cease immediately.

15. Contact Information

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