Terms of Use

Acceptance of terms

These Terms govern your access to and use of Finance Toolkit at financetoolkit.world, including calculators, blog articles and related pages (the “Site”). Using the Site constitutes acceptance of these Terms and of our Privacy Policy.

Educational use — not financial advice

All content and calculators are provided for general educational and informational purposes only. Nothing on the Site is financial, investment, tax, legal or accounting advice, or a recommendation to buy, sell or hold any product. Results use simplified models and your inputs; they may ignore taxes, fees, changing rates and your personal circumstances. Before making any financial decision, verify figures independently and consult a qualified professional. This aligns with our disclaimer, which forms part of these Terms.

No warranties

The Site is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to accuracy, completeness, merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the Site will be uninterrupted, error-free or free of harmful components.

Limitation of liability

To the fullest extent permitted by applicable law, Finance Toolkit and its operators shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data or goodwill, arising from your use of (or inability to use) the Site or reliance on any calculation or content. Your sole remedy for dissatisfaction with the Site is to stop using it.

Acceptable use

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to disrupt, scrape excessively, reverse engineer or overload the Site
• Misrepresent Site outputs as professional advice or as live market data
• Interfere with advertising, security or other users’ access

Intellectual property

The Finance Toolkit name, branding, layout, text, graphics and code (except third-party libraries or fonts) are owned by the Site operators or their licensors. You may use the Site for personal, non-commercial educational purposes. You may not copy, republish or commercially exploit substantial portions of the Site without prior written permission, except as allowed by applicable law (for example fair use / fair dealing).

Third-party advertising

The Site may display ads served by Google AdSense or similar partners. Those partners may use cookies and similar technologies as described in our Privacy Policy. We do not control the content of third-party ads. Your interactions with advertisers are between you and them.

External links

Links to third-party websites are provided for convenience. We do not endorse or control those sites and are not responsible for their content or practices.

Changes

We may modify these Terms at any time by posting an updated version on this page and revising the effective date. Continued use after changes constitutes acceptance of the updated Terms.

Governing law

These Terms are governed by the laws applicable in your place of residence, without regard to conflict-of-law principles, except where mandatory consumer protections require otherwise. Nothing in these Terms limits rights you may have under mandatory local law.

Contact

Questions about these Terms: [email protected].

Effective date: October 2026.