Terms & Conditions

1. Acceptance of Terms

By accessing and using our calculators at `financialcalculatorz.com` (the "Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please discontinue use of this website.

2. Permitted Use

We grant you a free, non-exclusive, worldwide license to utilize our calculators for planning your personal loans, mortgages, savings rates, or debt payoff strategies.

• Personal & Commercial Use: You may copy and use the results of any calculations, CSV downloads, or printed reports for any personal, educational, or corporate financial documentation.
• No Scraping: You may not scrape, frame, or hotlink our interactive visual graphs or logo files for a competing commercial tool.

3. Client-Side Operations & Device Support

Our calculators run standard scripts inside your browser environment. You are responsible for ensuring that your browser supports HTML5 canvas graphs and CSS grids.

4. Disclaimer of Professional Advice

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

All calculations, interest schedules, and loan estimates are illustrative metrics and **do not constitute formal investment, mortgage underwriting, or legal financial advice**. Please consult a certified financial planner or bank officer before making formal capital commitments.

5. Limitation of Liability

In no event shall the owners or developers of this Site be liable for any direct, indirect, incidental, or consequential damages (including financial losses, errors in rates, or amortization miscalculations) arising out of the use or inability to use these web tools.

6. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Continued use of the Site represents agreement to the revised guidelines.