Terms of Service

By accessing and using Financial Online Tools, you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

Financial Online Tools provides free online financial calculators and simulators, including mortgage calculators, compound interest simulators, and other financial planning utilities. All tools process data locally in your browser unless otherwise stated.

The tools and information provided by Financial Online Tools are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice. Results are based on the inputs you provide and standard mathematical formulas. Always consult a qualified financial advisor before making financial decisions. We are not responsible for decisions made based on the results of our calculators.

You agree to:

• Use the service only for lawful purposes
• Not attempt to disrupt or compromise the service
• Not use automated systems to access the service excessively
• Not upload malicious files or content
• Verify all calculation results independently before making financial decisions

All content, design, and code on this website are the property of Financial Online Tools or its licensors. You may not reproduce, distribute, or create derivative works without permission.

The service is provided "as is" without warranties of any kind. We do not guarantee that the service will be uninterrupted, error-free, or that calculation results will be suitable for any particular purpose. Financial calculations are approximations and may differ from actual bank or institution figures.

In no event shall Financial Online Tools be liable for any indirect, incidental, special, or consequential damages arising from the use of our services, including but not limited to financial losses resulting from decisions made based on calculator results.

We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.

For questions about these Terms of Service, contact us at [email protected].