Terms & Conditions

Effective Date: May 20, 2024

Last Updated: May 20, 2024

Welcome to FinCalcUSA.com ("Website," "Company," "we," "our," or "us").

These Terms & Conditions ("Terms") govern your access to and use of FinCalcUSA.com, including all financial calculators, tools, content, services, and features available through the Website.

By accessing or using the Website, you agree to be legally bound by these Terms. If you do not agree with any part of these Terms, you should discontinue use of the Website immediately.

Table of Contents

1. Acceptance of Terms
2. Website Purpose
3. Eligibility
4. User Responsibilities
5. Financial Disclaimer
6. No Professional Advice
7. Calculator Accuracy
8. Intellectual Property Rights
9. User Content
10. Prohibited Activities
11. Third-Party Services and Links
12. Advertising and Google AdSense
13. Disclaimer of Warranties
14. Limitation of Liability
15. Indemnification
16. Privacy
17. Termination
18. Governing Law
19. Changes to Terms
20. Contact Information

1. Acceptance of Terms

By accessing or using FinCalcUSA.com, you acknowledge that you have read, understood, and agreed to these Terms and our Privacy Policy.

These Terms constitute a legally binding agreement between you and FinCalcUSA.com.

2. Website Purpose

FinCalcUSA.com provides:

• Financial calculators
• Retirement planning tools
• Tax estimation tools
• Loan calculators
• Mortgage calculators
• Investment planning tools
• Educational financial content
• Financial information resources

The Website is intended for informational and educational purposes only.

3. Eligibility

You must be at least 18 years old or the age of majority in your jurisdiction to use this Website.

By using the Website, you represent and warrant that:

• You have the legal capacity to enter into these Terms.
• Your use complies with applicable laws.
• Information you provide is accurate and truthful.

4. User Responsibilities

You agree to:

• Use the Website lawfully.
• Provide accurate information when submitting forms.
• Not interfere with Website functionality.
• Maintain the security of your devices and accounts.
• Review results before making financial decisions.

You are solely responsible for any decisions made based on information obtained from the Website.

5. Financial Disclaimer

All calculators on fincalcusa.com (including mortgage, tax, ROI, retirement, and car finance) produce estimates only, based on the inputs provided and standard financial formulas, and are not financial, tax, or legal advice.

The information, calculators, tools, and resources provided on FinCalcUSA.com are for educational and informational purposes only.

Nothing on the Website constitutes:

• Financial advice
• Investment advice
• Tax advice
• Legal advice
• Accounting advice
• Insurance advice
• Retirement planning advice

You should consult qualified professionals before making financial, investment, tax, legal, or retirement decisions.

6. No Professional Advice

FinCalcUSA.com is not a registered financial advisor, broker-dealer, tax consultant, accountant, attorney, or investment manager.

We recommend users consult a licensed financial advisor, accountant, or attorney before making decisions based on calculator outputs.

Use of this Website does not create:

• Client relationships
• Fiduciary relationships
• Advisory relationships
• Professional service engagements

Professional advice should always be obtained from licensed professionals relevant to your circumstances.

7. Calculator Accuracy

While we strive to provide accurate and up-to-date calculators:

• Results are estimates only.
• Outputs depend on user-provided information.
• Market conditions may change.
• Tax laws and regulations may change.
• Financial assumptions may become outdated.

We do not guarantee:

• Accuracy
• Completeness
• Reliability
• Suitability
• Timeliness

Users should independently verify all calculations before relying on them.

8. Intellectual Property Rights

Unless otherwise stated, all Website content is owned by FinCalcUSA.com and protected by applicable intellectual property laws.

This includes:

• Software
• Source code
• Calculators
• Designs
• Graphics
• Logos
• Text
• Databases
• Website layout

You may:

• View content
• Print pages for personal use
• Use calculators for personal or business evaluation

You may not:

• Copy Website content for commercial purposes
• Reproduce source code or reproduce calculators elsewhere without permission
• Reverse engineer Website systems or calculators
• Republish content without permission
• Create derivative works

9. User Content

If you submit content, feedback, suggestions, reviews, or communications to us:

You grant FinCalcUSA.com a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such submissions for business purposes.

You represent that:

• You own or control submitted content.
• The content does not violate laws or third-party rights.

10. Prohibited Activities

You agree not to:

• Violate applicable laws.
• Upload malicious software.
• Attempt unauthorized access.
• Disrupt Website operations.
• Scrape data using automated systems or manual scraping.
• Reverse engineer or misuse our tools and calculators.
• Conduct denial-of-service attacks.
• Circumvent security measures.
• Use the Website for fraudulent activities.
• Impersonate another person or entity.

Any violation may result in suspension or termination of access.

11. Third-Party Services and Links

The Website may contain links to third-party websites, services, or products.

We do not:

• Control third-party websites.
• Endorse third-party content.
• Guarantee third-party services.

Your interactions with third-party services are governed by their own terms and privacy policies.

12. Advertising and Google AdSense

FinCalcUSA.com may display advertisements provided by Google AdSense and other advertising partners.

Advertisements may be:

• Contextual
• Personalized (subject to consent requirements)
• Interest-based

Advertising providers may use cookies and related technologies in accordance with their privacy policies.

Users may manage advertising preferences through:

• Browser settings
• Device privacy settings
• Google Ads Settings

We are not responsible for products, services, or claims made by advertisers.

13. Disclaimer of Warranties

The Website is provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, FinCalcUSA.com disclaims all warranties, including:

• Merchantability
• Fitness for a particular purpose
• Accuracy
• Non-infringement
• Availability
• Reliability

We do not guarantee uninterrupted or error-free operation.

14. Limitation of Liability

We disclaim any and all liability for decisions made based on tool outputs, to the extent permitted by law.

To the maximum extent permitted by law, FinCalcUSA.com and its owners, employees, affiliates, contractors, and partners shall not be liable for:

• Financial losses
• Investment losses
• Tax liabilities
• Business interruptions
• Lost profits
• Lost data
• Indirect damages
• Incidental damages
• Consequential damages

arising from:

• Website use
• Calculator results
• Reliance on Website content
• Technical issues
• Third-party services

Your use of the Website is at your own risk.

15. Indemnification

You agree to indemnify and hold harmless FinCalcUSA.com, its owners, employees, affiliates, contractors, and partners from any claims, damages, losses, liabilities, costs, or expenses arising from:

• Your use of the Website.
• Violation of these Terms.
• Violation of applicable laws.
• Violation of third-party rights.

16. Privacy

Your use of the Website is also governed by our Privacy Policy.

Please review the Privacy Policy to understand how we collect, use, store, and protect information.

17. Termination

We reserve the right to:

• Suspend access.
• Restrict functionality.
• Remove content.
• Terminate Website access.

without notice if we believe you have violated these Terms or applicable laws.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts located in Hyderabad, Telangana, India.

19. Changes to Terms

We may modify these Terms at any time.

Changes become effective when posted on the Website.

The "Last Updated" date will indicate the most recent revision.

Continued use of the Website after changes constitutes acceptance of the revised Terms.

20. Contact Information

For questions regarding these Terms & Conditions, please contact:

Email: support@fincalcusa.com

Address:
FinCalcUSA.com
Kadapa, IN 516003
India

Acknowledgment

By accessing or using FinCalcUSA.com, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy.