1. Acceptance of Terms

By accessing and using Finmato ("the Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

Finmato provides free online financial calculators and planning tools for educational and informational purposes. Our calculators help users make informed financial decisions by providing estimates and projections based on user-provided data.

3. Use of Service

3.1 Permitted Use

You may use the Service for:

• Personal financial planning and education
• Comparing financial scenarios
• Making informed financial decisions
• Educational purposes

3.2 Prohibited Use

You may NOT use the Service to:

• Provide professional financial advice to others
• Scrape, copy, or redistribute our content without permission
• Attempt to hack, disrupt, or damage the Service
• Use automated systems to access the Service excessively
• Violate any applicable laws or regulations
• Infringe on intellectual property rights

4. Disclaimer of Warranties

5. Not Financial Advice

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINMATO SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Financial losses resulting from use of the Service
• Damages arising from reliance on calculator results
• Damages exceeding $100 USD

7. Accuracy of Information

While we strive to provide accurate calculators, we make no guarantees about:

• The accuracy of calculation results
• The completeness of our calculators
• The suitability for your specific situation
• Tax laws, interest rates, or other financial data

You are responsible for verifying all results and consulting with professionals.

8. User Data and Privacy

All calculator data is processed locally in your browser. We do not store your financial information on our servers. For more information, please see our Privacy Policy.

9. Intellectual Property

All content, features, and functionality of the Service are owned by Finmato and are protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our Service
• Reverse engineer our calculators or algorithms

10. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for:

• The content or practices of third-party sites
• Any damages arising from third-party services
• The accuracy of third-party information

11. Advertising

We use Google AdSense to display advertisements. Advertisers are responsible for ensuring their ads comply with applicable laws. We do not endorse any advertised products or services.

12. Modifications to Service

We reserve the right to:

• Modify or discontinue the Service at any time
• Change calculator formulas or features
• Update these Terms without prior notice
• Restrict access to certain features

13. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

15. Dispute Resolution

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Information

If you have questions about these Terms, please contact us at:

Email: legal@finmato.com
Website: https://finmato.com