Terms and Conditions

Welcome to Smart Finance Tools. By accessing and using this website, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By using this website, you confirm that you have read, understood, and agreed to these Terms and Conditions. If you do not agree with any part of these terms, you must not use this website.

2. Purpose of Calculators and Information

a. Informational Use Only: 

All calculators, tools, articles, and content provided on this website are for informational and estimation purposes only. They are intended to provide rough financial projections.

b. Not Financial Advice: 

The results and information provided do not constitute financial, legal, tax, or investment advice. We are not a financial advisory firm. You should consult a qualified professional before making any financial decisions.

c. Accuracy: 

While we strive for accuracy, we do not guarantee that the calculations or information are error-free, complete, or up-to-date. You use the tools at your own risk.

3. User Obligations

a. Lawful Use: 

You agree to use the website only for lawful purposes and in a way that does not infringe on the rights of others or restrict anyone else's use and enjoyment of the website.

b. No Misuse: 

You must not misuse our website by knowingly introducing viruses, "Trojan horses," or other material that is malicious or technologically harmful.

4. Intellectual Property Rights

a. Ownership: 

All content, design, graphics, and underlying source code of the calculators on this website (excluding third-party components) are the intellectual property of Smart Finance Tools.

b. Restrictions: 

You may not copy, reproduce, republish, download, post, or transmit any part of the website's content without prior written consent. You may print or download pages for your own personal, non-commercial use only.

5. Limitation of Liability

Smart Finance Tools, its owners, and affiliates will not be liable for any damages (including, without limitation, direct, indirect, or consequential damages) arising from the use or inability to use the website, its calculators, or reliance on its content. This limitation applies even if Smart Finance Tools was advised of the possibility of such damage.

6. Changes to Terms

We reserve the right to revise and amend these Terms and Conditions at any time. Any changes will be posted on this page. Your continued use of the website following any changes constitutes acceptance of those changes.