📄 Terms of Service
Last updated: July 2025
By accessing or using FinCalcHub Marketing ("FinCalcHub", the "Service") at fincalchub.xyz, you agree to these Terms of Service. If you do not agree, please do not use the Service.
1. Acceptance of Terms
Your use of FinCalcHub constitutes acceptance of these terms. We reserve the right to modify these terms at any time. Continued use after modifications constitutes acceptance of the updated terms.
2. Educational Purpose
Calculations and information provided by FinCalcHub are for educational and informational purposes only and should not be treated as financial, tax, legal, investment, or professional advice.
The calculators provide estimates based on the inputs you provide and the mathematical formulas implemented in the application. Actual results may vary based on real-world conditions, fees, regulations, and other factors not captured by the calculators.
3. Calculator Limitations
- All mathematical functions, including fields processed within the Simple and Scientific calculator modules, execute strictly client-side on the user's local browser instance
- Calculators use simplified models that may not account for all real-world variables
- Tax calculations are based on published slab rates and may not reflect your specific tax situation, deductions, credits, or exemptions
- Investment projections assume constant rates of return, which do not occur in real markets
- Retirement projections are estimates and actual needs may differ significantly
- Profit calculations do not account for returns, refunds, inventory losses, or currency fluctuations unless explicitly input
4. Accuracy Disclaimer
While we strive for mathematical accuracy in our formulas, FinCalcHub does not guarantee that all calculations are free from errors. We recommend verifying important calculations with a qualified financial professional before making significant financial decisions.
5. Live Cryptocurrency Data
Cryptocurrency prices are sourced from the CoinGecko public API. These prices:
- May differ from actual trading prices on any specific exchange
- Are subject to API availability and rate limits
- May be delayed during periods of high API traffic
- Should not be used as the sole basis for trading decisions
FinCalcHub is not affiliated with CoinGecko and does not guarantee the accuracy or availability of their data.
6. No Professional Advice
FinCalcHub does not provide:
- Financial advice or recommendations
- Tax advice or tax preparation services
- Legal advice or legal opinions
- Investment advice or portfolio management
- Accounting or bookkeeping services
Always consult with qualified professionals (CPA, financial advisor, attorney) for advice specific to your situation.
7. Third-Party Data & Services
FinCalcHub integrates with third-party services including CoinGecko (crypto prices), Google Fonts, Google Analytics, Cloudflare, and CDN-hosted JavaScript libraries. Your use of these services is subject to their respective terms and privacy policies. FinCalcHub is not responsible for the availability, accuracy, or policies of third-party services.
8. Intellectual Property
The FinCalcHub name, logo, calculator implementations, design, and content are the intellectual property of FinCalcHub Marketing. You may not copy, reproduce, or redistribute the platform's code or content without permission.
9. Prohibited Use
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to reverse-engineer, decompile, or extract the source code
- Use automated tools to scrape or bulk-download content
- Misrepresent the results as professional financial advice
- Interfere with the Service's operation or security
10. Service Availability
FinCalcHub is provided "as is" without warranties of any kind. We do not guarantee uninterrupted availability, error-free operation, or that the Service will meet your specific requirements. The Service may be temporarily unavailable due to maintenance, updates, or technical issues.
11. Limitation of Liability
To the maximum extent permitted by law, FinCalcHub Marketing shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses arising from your use of or inability to use the Service.
You acknowledge that financial decisions made based on calculator outputs are your sole responsibility.
12. Changes to the Service
We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We will make reasonable efforts to notify users of significant changes through the website.
13. Changes to These Terms
We may revise these Terms of Service at any time. The "Last updated" date at the top reflects the most recent revision. Your continued use of the Service after changes constitutes acceptance.
14. Governing Law
These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.
15. Contact
For questions about these Terms of Service, please contact us via the feedback button on the main calculator page or through our WhatsApp support line.