Terms and Conditions

Last Updated: Tuesday, June 24, 2025

1. Introduction

Welcome to Free Online Finance Tools ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website, services, and all associated financial calculators and tools (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Services.

2. Services Description

We provide various online financial calculation tools including but not limited to:

• Rent vs. Buy comparison calculators
• Vehicle lease vs. purchase analysis tools
• Debt payoff strategy calculators (snowball vs. avalanche methods)
• Discount and promotional savings calculators
• Emergency fund planning tools
• Tip calculation and bill splitting utilities

All tools are provided for informational purposes only and should not be considered as financial advice.

3. User Obligations

3.1 Proper Use

You agree to use our Services:

• Only for lawful purposes
• In accordance with these Terms
• Without attempting to circumvent any access restrictions
• Without overloading our infrastructure with automated queries

3.2 Prohibited Activities

You must not:

• Use our Services for any fraudulent or unlawful purpose
• Attempt to gain unauthorized access to our systems
• Use any automated means to access our Services without permission
• Reproduce, duplicate, or resell any part of our Services
• Misrepresent the source or ownership of our content

4. Intellectual Property Rights

All content, features, and functionality on our website, including all calculators, tools, text, graphics, logos, and software, are the exclusive property of Free Online Finance Tools and are protected by international copyright, trademark, and other intellectual property laws.

5. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our Services will be uninterrupted or error-free
• The results obtained from using our tools will be accurate or reliable
• The quality of any services will meet your expectations

6. Limitation of Liability

To the maximum extent permitted by law, Free Online Finance Tools shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Your use or inability to use our Services
• Any errors or omissions in our tools or content
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from our Services

7. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of any changes by updating the "Last Updated" date at the top of this page. Your continued use of our Services after such modifications constitutes your acceptance of the revised Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law provisions.

9. Contact Information

For any questions about these Terms, please contact us at [Your Contact Email].