Terms of Service – FinCalc Tools

1. Acceptance of Terms

By accessing and using FinCalc Tools (accessible at https://tool.aktechstudio.com), you accept and agree to be bound by the terms and provisions of this agreement.

2. Description of Service

FinCalc Tools is a free, web-based suite offering multiple calculators and productivity utilities. Services are provided "as-is" and "as-available" without warranties or guarantees of any kind. We reserve the right to modify, suspend, or discontinue any portion of our tools at any time without notice.

3. Permitted & Fair Use

You agree to use our calculators for personal or standard commercial evaluations only. When using the URL Shortener, you may not create links redirecting to malware, phishing sites, adult content, spam directories, or other illegal/offensive material. We cascade delete links and ban account credentials that violate these standards.

4. Disclaimers & Limitation of Liability

All computations, ratios, tax estimations, and interest schedules provided by our tools are estimates for informational purposes only. They do not constitute official financial, tax, or legal advice. FinCalc Tools and its operators shall not be liable for any direct, indirect, incidental, or consequential damages resulting from choices made based on calculated outputs.

5. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of your jurisdiction, without regard to conflict of law principles.