Terms & Conditions

These Terms and Conditions (‘‘Terms’’) govern your use of the website operated by [Every Finance Calculator] (referred to as ‘‘we,’’ ‘‘us,’’ or ‘‘our’’) at [Domain] (the ‘‘Site’’). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Description of Service

[Every Finance Calculator] provides free online financial calculators for US users, covering paycheck calculations, overtime pay, tax calculations, VA disability back pay, expense splitting, and equity compensation. The calculators are informational tools and do not provide professional advice. The Site is provided as a free service, without subscription fees or signups required.

Eligibility

You must be at least 13 years of age to use the Site. By using the Site, you represent that you are 13 or older. If you are under 18, you should use the Site only with the involvement of a parent or guardian for any decision based on calculator output. The Site is intended for users in the United States. While we do not block access from other jurisdictions, users outside the US should be aware that the calculators are built for US tax and benefits frameworks.

License to Use the Site

Subject to your compliance with these Terms, [Brand Name] grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use. This license does not grant you any rights to:

  • Reproduce, redistribute, or republish any content from the Site
  • Modify or create derivative works based on Site content
  • Use the Site for any commercial purpose without our written consent
  • Scrape, crawl, or otherwise extract data from the Site through automated means
  • Reverse-engineer or attempt to extract the source code or calculation logic of any calculator

Intellectual Property

All content on the Site, including the calculators, text, graphics, logos, button icons, images, software, formulas, and the compilation and arrangement of content, is the property of [Every Finance Calculator] or its content providers and is protected by United States and international copyright, trademark, and other intellectual property laws.

The [Brand Name] name and logo are trademarks of the operator. Third-party trademarks (including IRS, VA, HMRC, and others referenced on the Site) belong to their respective owners and are used only for identification purposes.

User Content and Communications

If you submit information to us through a contact form, email, or other channel, you grant us a non-exclusive, royalty-free, worldwide license to use that information for the purpose of responding to your inquiry, improving the Site, and any other lawful purpose. You represent that any information you submit is your own, does not infringe on the rights of any third party, and is not unlawful.

Calculator inputs you enter into the tools are processed in your browser and are not submitted to us. Your inputs are not user content under these Terms because we do not collect or store them.

Prohibited Uses

You agree not to:

  • Use the Site for any illegal purpose
  • Use the Site in any way that violates these Terms, applicable law, or the rights of any third party
  • Attempt to gain unauthorized access to the Site or its servers
  • Introduce viruses, malware, or other harmful code
  • Use the Site to harass, threaten, or impersonate any person or entity
  • Misrepresent calculator output as professional advice
  • Scrape or extract content from the Site through automated means
  • Use the calculators or content to provide competing services without permission

No Professional Relationship

Use of the Site does not create any attorney-client, fiduciary, advisor-client, accountant-client, or other professional relationship between you and [Brand Name]. The calculators are tools, not advice. For your specific situation, consult a qualified professional. See our Disclaimer for additional information about the scope of the calculators.

Third-Party Services and Links

The Site may contain links to third-party websites (including government agencies, news outlets, and veteran service organizations) and may incorporate third-party services (such as analytics providers and hosting infrastructure). We are not responsible for the content, privacy practices, or accuracy of third-party sites or services. Your use of third-party sites is governed by their respective terms and policies.

Disclaimer of Warranties

The Site and all calculators are 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, accuracy, non-infringement, or that the Site will be uninterrupted or error-free. See our Disclaimer for additional limitations on calculator accuracy.

Limitation of Liability

To the maximum extent permitted by law, [Brand Name] and its operators, employees, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, including but not limited to damages for loss of profits, data, business interruption, or any other commercial damages.

Our total cumulative liability arising out of or related to your use of the Site is limited to one hundred US dollars ($100), regardless of the cause of action or theory of liability.

This limitation applies whether the action is based on warranty, contract, tort (including negligence), or any other legal theory. Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of the above may not apply to you in full.

Indemnification

You agree to indemnify, defend, and hold harmless [Brand Name] and its operators, employees, contractors, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the Site at any time. Sections of these Terms that by their nature should survive termination (including Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, and Governing Law) shall survive.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [Operator State], United States, without regard to its conflict of laws principles. Any dispute arising out of or related to these Terms or your use of the Site shall be resolved in the state or federal courts located in [Operator State], and you consent to the personal jurisdiction of those courts.

To the extent permitted by law, you and [Brand Name] agree to attempt to resolve disputes through informal negotiation before resorting to litigation. If informal negotiation fails, disputes may be resolved through binding arbitration where applicable under the Federal Arbitration Act.

Changes to These Terms

We may update these Terms from time to time. When we do, we will update the ‘‘Last Updated’’ date at the top of this page. Significant changes will be communicated through a notice on the Site. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

Entire Agreement

These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and [Every Finance Calculator] regarding your use of the Site, superseding any prior agreements or understandings.

Contact

Questions about this Disclaimer should be directed to Every Finance Calculator.