⚖️ Terms and Conditions & Legal Disclaimer

1 ACCEPTANCE OF TERMS

By accessing and using the Financial Calculator Suite ("Service", "Calculator", "Website"), you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, DO NOT USE THIS SERVICE.

2 DISCLAIMER OF LIABILITY - WE ARE NOT RESPONSIBLE

2.1 Financial Losses

• Any financial losses, damages, or negative consequences resulting from decisions made based on calculator results
• Investment losses or poor financial outcomes
• Incorrect financial planning or budgeting decisions
• Loan defaults, missed payments, or credit score impacts
• Tax liabilities or penalties

2.2 Calculation Errors

• Mathematical errors, bugs, or glitches in the calculator
• Rounding errors or precision limitations
• Formula implementation errors
• Display or formatting errors
• Browser compatibility issues affecting calculations

2.3 Technical Issues

• Website downtime or unavailability
• Data loss or corruption
• Security breaches or hacking attempts
• Malware, viruses, or other harmful code
• Third-party service failures

2.4 User Errors

• Incorrect data entry by users
• Misinterpretation of results
• Misunderstanding of financial concepts
• Failure to seek professional advice

3 EDUCATIONAL PURPOSE ONLY

This Calculator is provided STRICTLY FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. It is NOT intended to provide:

• Professional financial advice
• Investment recommendations
• Tax guidance
• Legal counsel
• Accounting services
• Personal financial planning

4 NO WARRANTIES OR GUARANTEES

The Service is provided "AS IS" and "AS AVAILABLE" without any warranties of any kind, either express or implied, including but not limited to:

• WARRANTY OF MERCHANTABILITY
• WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE
• WARRANTY OF NON-INFRINGEMENT
• WARRANTY OF ACCURACY OR RELIABILITY
• WARRANTY OF SECURITY
• WARRANTY OF AVAILABILITY

WE DO NOT GUARANTEE:

• The accuracy, completeness, or usefulness of any information
• The calculator will meet your requirements
• The service will be uninterrupted or error-free
• That defects will be corrected
• The results will be accurate or reliable

5 INDEMNIFICATION

You agree to DEFEND, INDEMNIFY, and HOLD HARMLESS the Service providers, owners, operators, affiliates, partners, directors, officers, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, debt, and expenses (including attorney's fees) arising from:

• Your use of the Calculator
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions made based on calculator results
• Any losses incurred by you or third parties

6 LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

IN NO EVENT SHALL WE BE LIABLE FOR ANY:

• DIRECT DAMAGES
• INDIRECT DAMAGES
• INCIDENTAL DAMAGES
• SPECIAL DAMAGES
• CONSEQUENTIAL DAMAGES
• PUNITIVE DAMAGES
• EXEMPLARY DAMAGES
• LOST PROFITS
• LOST REVENUE
• LOST SAVINGS
• LOSS OF DATA
• REPLACEMENT COSTS

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7 USER OBLIGATIONS AND RESPONSIBILITIES

By using this Service, you acknowledge and agree that:

1. You are at least 18 years of age.
2. You will use the Calculator only for lawful purposes
3. You will not rely solely on calculator results for financial decisions
4. You will verify all calculations independently
5. You will consult appropriate professionals before making financial decisions
6. You understand the calculator may contain errors
7. You accept all risks associated with using the Service
8. You will not attempt to hack, disrupt, or misuse the Service
9. You will not use the Service for any commercial purposes without permission

8 INTELLECTUAL PROPERTY

All content, features, and functionality of the Calculator are owned by us and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.1 Limited License

You are granted a limited, non-exclusive, non-transferable, revocable license to use the Calculator for personal, non-commercial use only.

8.2 Restrictions

You may not:

• Copy, modify, or distribute the Service
• Reverse engineer or attempt to extract source code
• Create derivative works
• Use for commercial purposes without written permission
• Remove any copyright or proprietary notices

9 PRIVACY AND DATA

We do not collect, store, or transmit any personal financial data entered into the Calculator. All calculations are performed locally in your browser.

10 THIRD-PARTY LINKS AND SERVICES

The Calculator may contain links to third-party websites or services. We are NOT RESPONSIBLE for:

• The content, accuracy, or opinions expressed on third-party sites
• Third-party privacy policies or practices
• Any damages or losses from third-party sites
• Products or services offered by third parties

11 MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time without prior notice. Changes are effective immediately upon posting. Your continued use of the Service after any modifications constitutes acceptance of the new Terms.

12 GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the laws of the State of Israel, Any legal action shall be brought exclusively in the competent courts of Tel Aviv, Israel, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be resolved exclusively in the courts of the laws of the State of Israel,Any legal action shall be brought exclusively in the competent courts of Tel Aviv, Israel., and you consent to personal jurisdiction in such courts.

12.1 Dispute Resolution

You agree to first attempt to resolve any disputes informally before pursuing legal action. Any claims must be brought within one (1) year of the cause of action arising.

13 SEVERABILITY

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

14 ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and us regarding the use of the Calculator and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

15 FORCE MAJEURE

We shall not be liable for any failure or delay in performance under these Terms which results from any cause beyond our reasonable control, including but not limited to:

• Acts of God
• Natural disasters
• War or terrorism
• Pandemic or epidemic
• Government actions
• Internet or telecommunications failures
• Power outages