1. Acceptance of Terms

By accessing or using MoneyMath, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the website.

2. Description of Service

MoneyMath provides free online calculators for financial, health, and general-purpose calculations. The service is provided "as is" and is intended for informational and educational purposes only.

3. Disclaimer of Financial Advice

MoneyMath does not provide financial, investment, tax, legal, or medical advice. The calculators and content on this website are for informational purposes only. You should:

• Consult a qualified financial advisor before making financial decisions
• Consult a qualified tax professional for tax-related matters
• Consult a healthcare provider for health-related decisions
• Not rely solely on calculator results for important decisions

4. Accuracy of Calculations

While we strive to ensure the accuracy of our calculators, we do not guarantee that calculation results are error-free. Results are approximations and may not reflect exact real-world outcomes due to rounding, changing rates, regional variations, and other factors.

5. Use of the Website

You agree to use MoneyMath only for lawful purposes. You may not:

• Use the website in any way that violates applicable laws or regulations
• Attempt to interfere with or disrupt the website's functionality
• Scrape, crawl, or use automated tools to access the website without permission
• Reproduce, distribute, or create derivative works from our content without authorization

6. Intellectual Property

All content on MoneyMath, including text, graphics, logos, and calculator designs, is the property of MoneyMath and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Third-Party Services and Advertising

MoneyMath uses third-party services including Google AdSense for advertising and Vercel Analytics for website analytics. These services may collect data as described in our Privacy Policy. We are not responsible for the practices of third-party services.

8. Limitation of Liability

To the fullest extent permitted by law, MoneyMath and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the website, including any errors in calculations or content.

9. Indemnification

You agree to indemnify and hold harmless MoneyMath and its operators from any claims, damages, losses, or expenses arising from your use of the website or violation of these terms.

10. Availability

We strive to keep MoneyMath available at all times, but we do not guarantee uninterrupted access. The website may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms shall be resolved in the appropriate courts.

13. Contact

If you have any questions about these Terms of Service, please contact us.