1. Acceptance of Terms & Educational Scope
By using this website, you agree that FinguruTools provides calculator outputs, guides, and informational content on an educational basis only. Results may rely on assumptions, simplified rules, and generalized financial models.
If you do not agree with any portion of these Terms, your sole recourse is to discontinue using the platform and its calculation utilities.
2. No Professional or Advisory Relationship
You should not treat any figure on this platform as professional financial, tax, accounting, legal, investment, lending, or regulatory advice. Always verify important decisions with qualified professionals and official sources relevant to your jurisdiction.
No fiduciary duty, broker relationship, or client relationship is created between you and FinguruTools or TJVerse Group through your access to this website.
3. Intellectual Property Rights
All content, branding, layout, and software elements on this site remain the intellectual property of TJVerse Group unless otherwise stated.
You may use calculators for personal or internal commercial modeling. However, you may not systematically scrape, reproduce, resell, reverse engineer, or re-publish our software routines, algorithmic datasets, or proprietary text content without express written authorization.
4. User Responsibilities & Acceptable Use
Users are responsible for how they interpret and apply the content on this website. Any financial action, loan decision, investment plan, tax estimate, budgeting choice, or employment-related calculation should be reviewed in the context of current laws, market conditions, institutional policies, and local professional advice.
You agree not to misuse the platform, attempt unauthorized access, interfere with service availability, scrape the site in a harmful way, submit abusive material through contact forms, or use the site for unlawful or misleading purposes.
5. Disclaimer of Warranties & Limitation of Liability
Where legally permitted, FinguruTools and TJVerse Group disclaim warranties related to uninterrupted availability, perfect accuracy, fitness for a particular purpose, and universal compatibility with every user scenario or jurisdiction.
In no event shall FinguruTools, its creators, operators, or contributors be held liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your reliance on calculation results.
6. Modifications & Service Evolution
FinguruTools may update, expand, suspend, or remove tools, pages, and features at any time. We also reserve the right to improve the assumptions, formulas, and interface structure as the platform evolves.
FinguruTools may revise these terms at any time as the website changes. Continued use of the platform after changes are published indicates acceptance of the updated terms.
For formal inquiries, notifications, or questions regarding these terms, you may contact the platform administration at [email protected].