Terms of Service

1. Acceptance of Terms

By accessing and using Smart Calculator Hub ("Service", "Website"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Smart Calculator Hub provides free online calculators for finance, education, health, and technology purposes. All calculations are performed client-side in your browser, and we do not store any of your input data.

3. Use License

Permission is granted to use our calculators for personal and commercial purposes. This license shall automatically terminate if you violate any of these restrictions.

You may not:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Scrape or systematically collect data from the Service using automated means
• Remove any copyright or proprietary notices from the Service

4. Disclaimer of Warranties

IMPORTANT: The calculators and tools provided on this website are for informational and educational purposes only.

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

• Accuracy of calculations or results
• Fitness for a particular purpose
• Non-infringement
• Availability or uninterrupted access

5. Professional Advice Disclaimer

Financial Calculators: Our financial calculators are not a substitute for professional financial advice. Always consult with a qualified financial advisor before making investment or financial decisions.

Health Calculators: Our health calculators are not a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or qualified health provider.

Education Calculators: Grade calculations are estimates and may not reflect your institution's exact grading policies.

6. Limitation of Liability

To the maximum extent permitted by law, Smart Calculator Hub shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Service
• Any inaccuracy in calculation results
• Any decisions made based on information from our calculators
• Unauthorized access to or alteration of your data

7. Accuracy and Reliability

While we strive to ensure our calculators are accurate and up-to-date, we make no guarantees about the accuracy, reliability, or completeness of any calculations or results. You are responsible for verifying all results independently.

8. User Responsibilities

You are responsible for:

• Ensuring the accuracy of data you input
• Understanding the limitations and assumptions of each calculator
• Verifying results before making important decisions
• Maintaining the security of your device and browser

9. Intellectual Property

The Service and its original content, features, and functionality are owned by Smart Calculator Hub and are protected by international copyright, trademark, and other intellectual property laws. The source code is available under the MIT License.

10. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Smart Calculator Hub. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after changes become effective constitutes acceptance of the new Terms.

12. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason, including if you breach these Terms.

13. Governing Law

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

14. Contact Information

If you have any questions about these Terms, please contact us at [email protected].