Terms of Service

By using Smart Finance Tools, you agree to these Terms of Service. If you do not agree, you should discontinue use of the website and related services.

We may update these terms from time to time to reflect operational, legal, or product changes. Continued use after updates constitutes acceptance of the revised terms.

Calculator outputs and educational content are provided for general informational purposes and do not constitute financial, legal, tax, or investment advice.

You are responsible for validating assumptions, rates, fees, tax treatment, and product terms with qualified professionals before making financial decisions.

You may use the site for lawful personal or internal business planning purposes. You agree not to misuse the service, interfere with operations, or attempt unauthorized access to systems or data.

Automated scraping, abusive request patterns, or use that degrades service quality is prohibited.

The service is provided on an as-is and as-available basis without warranties of any kind, whether express or implied. We aim for high accuracy but cannot guarantee that outputs are error-free in every scenario.

To the fullest extent permitted by law, Smart Finance Tools is not liable for direct, indirect, incidental, consequential, or special damages resulting from use of or reliance on the service.

These terms are governed by applicable laws in the jurisdiction where Smart Finance Tools operates, without regard to conflict of law principles.

If any provision is found unenforceable, the remaining provisions remain in full effect.