Terms of Service

Acceptance of Terms

By accessing or using Finzs ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service. We reserve the right to update these terms at any time, and continued use after changes constitutes acceptance.

Description of Service

Finzs provides free, web-based financial calculators for informational and educational purposes. The Service includes tools for tax estimation, retirement planning, compound interest projection, mortgage calculation, currency conversion, return on investment analysis, budget planning, and loan payoff strategizing.

All calculations are performed in your browser. No account registration is required. The Service is available as-is, and features may change or be discontinued without notice.

No Financial Advice

Finzs is an educational tool, not a financial advisor. The calculations, projections, and estimates provided by the Service are for informational purposes only and should not be construed as financial, tax, legal, or investment advice.

You should consult with qualified professionals — including certified financial planners, certified public accountants, and licensed attorneys — before making any financial decisions based on the outputs of these calculators. Tax laws, interest rates, and financial regulations vary by jurisdiction and change over time.

Accuracy and Limitations

While we strive for accuracy in our calculations, the Service may contain errors, outdated information, or simplifications that do not reflect real-world complexity. Tax brackets, exchange rates, and other reference data may not reflect the most current values.

We make no warranties, express or implied, about the completeness, accuracy, reliability, or suitability of the information and calculations provided. Your use of the Service and reliance on any information is solely at your own risk.

Intellectual Property

The Finzs name, logo, user interface design, and original content are proprietary. The underlying source code, calculation methodologies, and component architecture are protected by copyright.

You may use the Service for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any part of the Service for commercial purposes without explicit written permission.

Limitation of Liability

To the fullest extent permitted by applicable law, Finzs and its creators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service.

This includes, but is not limited to, damages for financial losses, missed investment opportunities, tax underpayment penalties, or any decisions made based on calculator outputs. You assume full responsibility for any actions taken based on information provided by the Service.

User Conduct

You agree not to misuse the Service. This includes attempting to interfere with the Service’s operation, bypass any security measures, or use automated means (bots, scrapers) to access the Service in a way that imposes unreasonable load.

Since the Service requires no accounts and collects no user data, there are no user-generated content provisions. You are solely responsible for the data you enter into the calculators.

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of the Service shall be resolved through good-faith negotiation, followed by binding arbitration if necessary.

Contact

For questions about these Terms of Service, please refer to the About page for contact information and project details.