1. Acceptance of Terms

By accessing, browsing, or using the Online Calculator Tools website ("Site") and any of the calculators, tools, or services we offer (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree to all of these terms, you must not use our Services.

These Terms constitute a legally binding agreement between you (the "User" or "you") and Online Calculator Tools ("we", "us", or "our").

2. Changes to Terms

We reserve the right to modify, update, or replace these Terms & Conditions at any time at our sole discretion. We will provide notice of any material changes by:

• Updating the "Last Updated" date at the top of this page
• Posting a notice on our website homepage
• Sending email notifications to subscribed users for significant changes

Your continued use of the Services following any changes constitutes your acceptance of the revised terms. It is your responsibility to check this page periodically for updates.

3. Using Our Calculator Services

3.1 Eligibility and Age Requirements

You must be at least 13 years old to use our Services independently. Users under 18 should have parental or guardian supervision. By using our Services, you represent and warrant that you meet these age requirements and have the legal capacity to enter into this agreement.

3.2 Account Registration

While many of our calculator services are available without registration, some features may require you to create an account. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Take responsibility for all activities under your account
• Notify us immediately of any unauthorized account access

3.3 Acceptable Use Policy

You agree to use our calculator services only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Services in any way that violates applicable laws or regulations
• Attempt to interfere with, disrupt, or damage our servers or network infrastructure
• Circumvent or disable security-related features of the Services
• Use automated tools (bots, spiders, scrapers) to access the Services without permission
• Transmit malware, viruses, or other malicious code through our Services
• Engage in activities that could overburden or impair our Services
• Attempt to reverse engineer or extract source code from our calculators
• Use our Services to compete with us or create derivative calculator tools

3.4 Service Availability

We strive to maintain high availability of our calculator services, but we do not guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, updates, or technical issues beyond our control.

4. Intellectual Property Rights

The Services and all content, features, and functionality (including but not limited to calculators, algorithms, software, text, displays, images, graphics, design, and user interface) are owned by Online Calculator Tools, our licensors, or content providers and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

4.1 Limited License to Users

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our calculator services for personal, educational, or business purposes.

4.2 Calculator Embedding and Linking

You may link to our calculators and embed them on your website, subject to the following conditions:

• Maintain all copyright, trademark, and attribution notices
• Include a clear, prominent link back to Online Calculator Tools
• Do not modify calculator functionality, appearance, or branding
• Do not use embedded calculators on websites with illegal, offensive, or inappropriate content
• Comply with our embedding guidelines and technical requirements

We reserve the right to revoke embedding permissions at any time for violation of these terms or for any other reason.

4.3 Prohibited Uses

You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit our calculators or content without explicit written permission.

5. Calculator Results and Important Disclaimers

Our calculators are designed to provide estimates, approximations, and general information based on standard formulas and user-provided input data. The results and information provided by our calculators are:

• For informational purposes only and not professional advice
• Estimates and approximations that may not account for all variables
• Dependent on input accuracy - results are only as accurate as the data you provide
• Based on general formulas that may not apply to specific situations
• Subject to rounding and calculation limitations inherent in digital systems

5.1 Professional Consultation Required

We strongly recommend consulting with qualified professionals before making important decisions based on our calculator results, including:

• Financial decisions: Consult certified financial advisors or accountants
• Health calculations: Consult licensed healthcare providers
• Legal matters: Consult qualified attorneys
• Engineering calculations: Consult licensed engineers
• Tax-related calculations: Consult tax professionals

5.2 No Warranties

WE MAKE NO WARRANTIES OR REPRESENTATIONS about the accuracy, reliability, completeness, or timeliness of calculator results. All calculator services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

6. Privacy and Data Protection

Your privacy is important to us. Your use of our Services is governed by our Privacy Policy, which explains how we collect, use, and protect your information. Our Privacy Policy is incorporated into these Terms by reference.

Please review our Privacy Policy to understand our data practices, including:

• What information we collect and how we use it
• Your rights regarding your personal data
• How we protect your information
• Our use of cookies and tracking technologies

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Online Calculator Tools and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption or loss of goodwill
• Personal injury or property damage
• Financial losses resulting from calculator-based decisions
• Costs of substitute services or products

This limitation applies whether such damages arise from:

• Your use of or inability to use our Services
• Reliance on calculator results or other information provided
• Errors, inaccuracies, or omissions in our Services
• Unauthorized access to or alteration of your data
• Third-party conduct or content on our Services

TOTAL LIABILITY CAP: In no event shall our total liability to you for all claims exceed the amount paid by you, if any, for accessing our Services during the twelve (12) months prior to the claim, or $100, whichever is less.

8. User Indemnification

You agree to defend, indemnify, and hold harmless Online Calculator Tools and its affiliates, officers, employees, agents, partners, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney's fees) arising out of or in connection with:

• Your use of our Services or reliance on calculator results
• Your violation of these Terms & Conditions
• Your violation of any rights of another party
• Your violation of applicable laws or regulations
• Any content you submit or transmit through our Services

9. Service Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Reasons for termination may include:

• Violation of these Terms & Conditions
• Fraudulent or abusive use of our Services
• Legal or regulatory requirements
• Technical or security concerns

Upon termination, your right to use our Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Gujarat, India.

You hereby consent to the personal jurisdiction of such courts and waive any objection to the laying of venue in such courts. If you are accessing our Services from outside India, you do so at your own risk and are responsible for compliance with local laws.

10.1 Dispute Resolution

Before filing any legal action, we encourage you to contact us to seek resolution of any disputes. We are committed to resolving issues through good faith negotiation.

11. Severability and Entire Agreement

11.1 Severability

If any provision of these Terms is found to be unenforceable, invalid, or illegal by a court of competent jurisdiction, such provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.

11.2 Entire Agreement

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Online Calculator Tools regarding the use of our Services and supersede all prior or contemporaneous understandings and agreements.

11.3 Waiver

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

12. Contact Information and Legal Notices

If you have any questions, concerns, or legal notices regarding these Terms & Conditions, please contact us using the information below:

12.1 Legal Notices

All legal notices to Online Calculator Tools must be sent in writing to the email address above. Notices to you may be made via email, regular mail, or by posting to our website.

For technical support or general questions about our calculator tools, please visit our FAQ page or contact our support team.