Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and EXACTFINANCE ("Company," "we," "us," or "our") governing your use of the EXACTFINANCE website and all related tools, calculators, content, and services (collectively, the "Service").

By accessing or using the Service, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them.

2. Description of Service

EXACTFINANCE provides free, browser-based financial calculator tools designed to help individuals make informed financial decisions. Our services include:

• Mortgage, loan, and debt calculators
• Investment, retirement, and savings calculators
• Tax, percentage, and general financial calculators
• Educational articles and financial guides
• Related financial resources and information

All calculators operate entirely within your web browser. We do not store, transmit, or process any financial data you enter into our calculators.

3. No Financial Advice

The calculations and information provided by EXACTFINANCE:

• Are estimates based on the inputs you provide and standard financial formulas
• Do not account for your specific financial situation, goals, or risk tolerance
• Should not be relied upon as the sole basis for any financial decision
• May not reflect current market conditions, tax laws, or regulatory requirements

We strongly recommend consulting with a qualified financial advisor, tax professional, or attorney before making significant financial decisions.

4. Accuracy of Information

While we strive to ensure our calculators use accurate financial formulas and our content is up-to-date, EXACTFINANCE makes no warranties or representations regarding:

• The accuracy, completeness, or reliability of any calculation results
• The suitability of any calculator for your specific needs
• The currency of interest rates, tax rates, or other financial figures used in examples

Calculator results are mathematical estimates only. Actual loan payments, investment returns, retirement savings, and other financial outcomes will vary based on many factors not captured by our tools.

5. Permitted Use

You may use EXACTFINANCE for lawful, personal, non-commercial purposes. You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Scrape, crawl, or systematically extract data from the Service without written permission
• Reproduce, duplicate, copy, sell, or exploit any portion of the Service for commercial purposes without our express written consent
• Transmit any viruses, malware, or other harmful code
• Interfere with or disrupt the integrity or performance of the Service
• Impersonate EXACTFINANCE or misrepresent your affiliation with us

6. Intellectual Property

All content on EXACTFINANCE, including but not limited to text, graphics, logos, icons, images, calculator code, and educational articles, is the property of EXACTFINANCE and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include:

• The right to reproduce or distribute our content without attribution
• The right to create derivative works based on our calculators or content
• The right to use our trademarks or branding without written permission

7. Third-Party Services and Advertising

EXACTFINANCE uses third-party services to operate and improve our website:

• Google Analytics: We use Google Analytics to understand website traffic and usage patterns. Google Analytics collects anonymized data about your visit.
• Google AdSense: We display advertisements through Google AdSense. These ads help fund our free service. Google may use cookies to serve personalized ads based on your browsing history.
• FormSubmit: We use FormSubmit to process contact form submissions securely.

We are not responsible for the content, privacy practices, or terms of any third-party services. Links to external websites are provided for convenience only.

8. Limitation of Liability

To the fullest extent permitted by applicable law, EXACTFINANCE and its owners, employees, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages
• Financial losses arising from reliance on calculator results or content
• Errors, inaccuracies, or omissions in any content or calculations
• Interruption or unavailability of the Service
• Unauthorized access to or alteration of your data

In jurisdictions that do not allow the exclusion of certain warranties or limitation of liability, our liability is limited to the maximum extent permitted by law.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Indemnification

You agree to indemnify, defend, and hold harmless EXACTFINANCE and its owners, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any rights of another party.

11. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your information.

12. Modifications to Terms

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

• Updating the "Last updated" date at the top of this page
• Posting a notice on our website for significant changes

Your continued use of the Service after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

15. 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 the remaining Terms will otherwise remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and EXACTFINANCE regarding your use of the Service and supersede all prior agreements and understandings.

17. Contact Us

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