Terms of Service

1. Acceptance of Terms

By accessing and using AI Finance Calculator ("the Site," "we," "our," or "us"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the modified Terms.

2. Description of Service

AI Finance Calculator provides free online financial calculators and educational content, including but not limited to:

• Auto loan calculators
• Mortgage calculators
• Compound interest calculators
• Retirement planning calculators
• Take-home pay calculators
• AI-powered financial insights
• Educational articles and guides

3. Not Financial Advice

You should:

• Consult qualified financial advisors, accountants, or legal professionals before making financial decisions
• Verify all calculations independently
• Understand that calculator results are estimates, not guarantees
• Research current rates, regulations, and market conditions

We are not regulated by the Financial Conduct Authority (FCA) and do not provide regulated financial advice or services.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations about:

• The accuracy, completeness, or reliability of calculator results
• The suitability of information for your specific situation
• The currentness of tax rates, regulations, or market data

Tax rates, regulations, and market conditions change frequently. Always verify critical information with official sources (HMRC, FCA, government websites) before making decisions.

5. User Responsibilities

By using the Site, you agree to:

• Use the Site for lawful purposes only
• Provide accurate information when using calculators
• Not attempt to hack, disrupt, or damage the Site
• Not use automated systems (bots, scrapers) without permission
• Not copy, reproduce, or redistribute content without authorization
• Not use the Site for commercial purposes without permission
• Understand that you are solely responsible for financial decisions made based on Site information

6. Intellectual Property

All content on this Site, including text, graphics, logos, calculators, code, and software, is the property of AI Finance Calculator or its content suppliers and is protected by UK and international copyright laws.

You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without express written permission.

7. Limitation of Liability

To the fullest extent permitted by law, AI Finance Calculator and its operators shall not be liable for:

• Any financial losses resulting from use of the Site or reliance on calculator results
• Inaccurate calculations, outdated information, or errors in content
• Decisions made based on AI-generated insights or recommendations
• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Site downtime, technical failures, or service interruptions

Your use of the Site is entirely at your own risk. The Site is provided "as is" without warranties of any kind, express or implied.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services (advertisers, affiliate partners, resources). We do not control or endorse these third parties and are not responsible for:

• Their content, accuracy, or practices
• Products or services they offer
• Privacy policies or data collection
• Financial transactions with third parties

Links do not constitute endorsements. Review third-party terms and privacy policies before engaging with them.

9. Advertising

The Site displays advertisements through Google AdSense and potentially other advertising networks. Advertisers are solely responsible for their advertisements and offers. We do not control or endorse advertised content. See our Privacy Policy for information about advertising cookies.

10. Availability and Modifications

We reserve the right to:

• Modify, suspend, or discontinue any part of the Site at any time
• Change calculator functionality, features, or design
• Update content, rates, or educational materials
• Restrict access to certain users or regions

We are not liable for any modifications, interruptions, or discontinuation of services.

11. Indemnification

You agree to indemnify, defend, and hold harmless AI Finance Calculator, its operators, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the Site
• Violation of these Terms
• Violation of any rights of third parties
• Financial decisions made based on Site information

12. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms or use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Severability

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

14. Contact Information

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

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and AI Finance Calculator regarding use of the Site, superseding any prior agreements.