Terms of Service

Welcome to CalcPortal Pro. These Terms of Service ("Terms") govern your use of our website, calculators, and services. By accessing or using our services, you agree to be bound by these Terms.

Acceptance of Terms

By accessing or using CalcPortal Pro, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.

Description of Services

CalcPortal Pro provides:

• Free financial calculators and tools
• Educational content and resources
• Financial planning information
• Customer support services

User Responsibilities

When using our services, you agree to:

• Provide accurate and truthful information
• Use our services for lawful purposes only
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt our services
• Respect intellectual property rights
• Not use our services for commercial purposes without permission

Prohibited Uses

You may not use our services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or collect data
• Impersonate others or provide false information
• Engage in any form of harassment or abuse

Intellectual Property

All content on CalcPortal Pro, including but not limited to:

• Text, graphics, and images
• Calculator algorithms and formulas
• Software code and functionality
• Brand names and logos
• Educational content and resources

Is owned by CalcPortal Pro or our licensors and is protected by copyright, trademark, and other intellectual property laws.

License to Use

We grant you a limited, non-exclusive, non-transferable license to use our services for personal, non-commercial purposes. This license does not include:

• Reselling or redistributing our services
• Modifying or creating derivative works
• Reverse engineering our software
• Using our content for commercial purposes

Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind. We disclaim:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that our services will be uninterrupted or error-free
• Warranties regarding the accuracy of calculations or information
• Warranties that defects will be corrected

Financial Information Disclaimer

Important: The calculators and information provided on CalcPortal Pro are for educational and informational purposes only. They should not be considered as financial advice, investment recommendations, or tax advice.

We recommend consulting with qualified professionals (financial advisors, accountants, lawyers) before making any financial decisions.

Limitation of Liability

To the maximum extent permitted by law, CalcPortal Pro shall not be liable for:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from the use or inability to use our services
• Damages resulting from errors or inaccuracies in our calculations
• Damages resulting from financial decisions made based on our tools

Indemnification

You agree to indemnify and hold harmless CalcPortal Pro, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services or violation of these Terms.

Privacy and Data

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Third-Party Links and Services

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

• The content or accuracy of third-party websites
• The privacy practices of third-party services
• Any damages or losses resulting from third-party services
• The availability or functionality of third-party services

Termination

We may terminate or suspend your access to our services at any time, with or without cause, with or without notice. You may also stop using our services at any time.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Posting the updated Terms on our website
• Updating the "Last updated" date
• Sending email notifications for significant changes

Your continued use of our services after changes become effective constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and CalcPortal Pro regarding your use of our services.

Contact Information

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