Terms of Service

1. Acceptance of Terms

Welcome to ProCalcTools ("we," "our," "us," or "Company"). These Terms of Service ("Terms") govern your use of our website procalctools.com and all related online calculator tools across various domains including financial, health, education, conversion, and other calculator services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service.

Important: These Terms constitute a legally binding agreement between you and ProCalcTools. Please read them carefully.

2. Description of Service

ProCalcTools provides free online calculators and tools across multiple domains:

• Financial Calculators: Mortgage, auto loan, compound interest, amortization, and investment calculators
• Health Calculators: BMI, calorie, fitness, and medical calculators
• Education Calculators: Grade, GPA, academic, and study planning tools
• Conversion Calculators: Unit conversion, currency, measurement, and utility calculators
• Other Specialized Tools: Various calculators and utilities as we expand our offerings

Key Service Features:

• All calculations are performed locally in your web browser
• No registration or account creation required
• Free to use with advertising support
• Educational content and guides included

3. User Eligibility and Account Requirements

3.1 Age Requirements

You must be at least 13 years old to use our Service. If you are between 13 and 18 years old, you may only use the Service with the involvement and consent of a parent or guardian.

3.2 No Account Required

Our Service does not require user registration or account creation. You can access and use all calculators without providing personal information.

3.3 Accurate Information

When using our calculators, you are responsible for providing accurate input data. While we do not store your input data, inaccurate inputs will result in inaccurate calculations.

4. Permitted and Prohibited Uses

4.1 Permitted Uses

You may use our Service for:

• Personal financial planning and calculations
• Educational purposes and learning
• Professional consulting and advisory services (with proper disclaimers)
• Research and analysis projects
• Sharing results and links with others

4.2 Prohibited Uses

You may NOT use our Service for:

• Any unlawful purpose or to violate any applicable laws or regulations
• Automated data extraction, scraping, or harvesting of content
• Attempting to compromise the security or integrity of our systems
• Distributing malware, viruses, or other harmful code
• Impersonating ProCalcTools or our affiliated entities
• Creating derivative works or competing services without permission
• Removing, obscuring, or altering any proprietary notices or branding

5. Intellectual Property Rights

5.1 Our Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of ProCalcTools and its licensors. The Service is protected by copyright, trademark, and other laws.

5.2 Your Usage Rights

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes, subject to these Terms.

5.3 Feedback and Suggestions

If you provide feedback, suggestions, or ideas about our Service, you grant us the right to use, modify, and incorporate such feedback without compensation or attribution.

6. Disclaimers and Limitation of Liability

6.1 Educational and Informational Purposes

IMPORTANT: Our calculators and tools are provided for educational and informational purposes only. They are not intended to provide:

• Professional financial, investment, or tax advice
• Medical, health, or diagnostic recommendations
• Legal counsel or regulatory guidance
• Certified educational assessments

6.2 Accuracy Disclaimer

While we strive to provide accurate calculations, we make no warranties or representations about the accuracy, reliability, completeness, or timeliness of any calculations or results. You should:

• Verify all calculations independently
• Consult with qualified professionals for important decisions
• Consider multiple scenarios and data sources
• Understand that results are estimates based on your inputs

6.3 No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

6.4 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROCALCTOOLS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, INVESTMENT DECISIONS, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key Privacy Points:

• Calculator inputs and results are processed locally in your browser
• We do not collect or store your calculation data
• We may collect anonymous usage analytics to improve our service
• Cookies may be used for website functionality and advertising

Please review our Privacy Policy for complete details about our data practices.

8. Third-Party Content and Links

Our Service may contain links to third-party websites, services, or advertisements that are not owned or controlled by ProCalcTools. We have no control over, and assume no responsibility for:

• The content, privacy policies, or practices of any third-party websites
• The accuracy or availability of third-party services
• Third-party advertising content or targeting
• External calculator tools or competing services

You acknowledge and agree that ProCalcTools shall not be responsible for any damage or loss caused by your use of any third-party content or services.

9. Service Availability and Modifications

9.1 Service Availability

We strive to maintain continuous service availability, but we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical difficulties or system failures
• Third-party service disruptions
• Force majeure events beyond our control

9.2 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also add new calculators, remove existing ones, or change functionality as we improve our offerings.

10. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms of Service
• Violation of applicable laws or regulations
• Fraudulent, abusive, or harmful activity
• Technical or security concerns

Upon termination, your right to use the Service will cease immediately. The termination of your access to the Service will not affect any provision of these Terms that should survive termination.

11. Indemnification

You agree to defend, indemnify, and hold harmless ProCalcTools and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your use of the Service or violation of these Terms.

12. Dispute Resolution

12.1 Informal Resolution

Before pursuing formal legal action, we encourage users to contact us directly to resolve any disputes or concerns informally.

12.2 Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Canada and the province in which our company is incorporated, without regard to conflict of law principles. Any legal action or proceeding relating to these Terms shall be brought exclusively in the courts of competent jurisdiction in Canada.

13. Changes to Terms of Service

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised Terms.

We will update the "Last updated" date at the top of these Terms when changes are made.

14. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please use our contact form below:

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. The invalid or unenforceable provision will be deemed modified to the extent necessary to make it valid and enforceable.

16. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the sole and entire agreement between you and ProCalcTools regarding the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service.