Terms

1. General Disclaimer

This website provides online calculators for informational purposes only. While we strive to ensure accuracy, results may not be fully reliable or appropriate for professional purposes (e.g., financial, medical, legal). The calculations are provided "as-is," and users should verify results independently before making important decisions based on the data. By using this website, you agree to assume full responsibility for how you interpret and apply the calculations.

2. Limitation of Liability

We shall not be liable for any damages or losses arising from the use of this website, whether they are direct, indirect, incidental, consequential, or punitive in nature. This includes, but is not limited to, losses related to the misuse or misinterpretation of calculator results. You acknowledge that any reliance on the results or information provided is at your own risk.

3. Intellectual Property

All content on this site, including but not limited to software code, design, graphics, logos, text, and any other materials, are the intellectual property of the website owner, unless otherwise noted. The use, reproduction, or distribution of any content from this website without prior written permission is strictly prohibited. Users are granted a non-exclusive, non-transferable, revocable license to access and use the website for personal, non-commercial purposes.

4. User Conduct

You agree to use the site responsibly and refrain from engaging in any activity that may harm or interfere with the normal functioning of the website. Prohibited activities include, but are not limited to, hacking, transmitting malware, or attempting to bypass security measures. We reserve the right to terminate or restrict access to any user who violates these terms.

5. Data Collection and Privacy

While no registration is required to use the calculators, non-personal data such as cookies and IP addresses may be collected to improve site performance and analyze usage trends. We do not store personally identifiable information unless explicitly stated. Please refer to our Privacy Policy for more details on how data is processed and protected.

6. Third-Party Links

Our website may contain links to third-party websites for the convenience of users. We do not endorse or assume responsibility for the content, policies, or practices of these external sites. Users are encouraged to review the terms of service and privacy policies of any third-party websites they visit.

7. No Warranties

The website and its services are provided "as-is," without any warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted or error-free service and reserve the right to modify or discontinue any aspect of the website at any time.

8. Governing Law

These terms are governed by and construed in accordance with the laws of Canada. Any disputes arising from the use of this website will be subject to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada.

9. Amendments

We reserve the right to modify these Terms of Use at any time, with changes effective immediately upon posting. It is your responsibility to review these terms regularly to ensure continued compliance. By continuing to use the website after modifications are made, you accept the updated terms.