Terms of Use

1. Acceptance of Terms

By accessing or using E Finance Calculator ("we," "our," "us," or the "Service") at efinancecalculator.com, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Service.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Service following any changes constitutes your acceptance of the new Terms.

2. Use of Service

2.1 Permitted Use

You may use our Service for personal, non-commercial purposes to:

• Access and use our finance calculators for educational purposes
• Learn about finance metrics and calculations
• Share calculator results for personal use

2.2 Prohibited Use

You agree NOT to:

• Use the Service for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems
• Scrape, copy, or redistribute our content without permission
• Use our calculators to provide financial advice to others
• Interfere with or disrupt the Service or servers
• Impersonate any person or entity

3. Financial Disclaimer

We make no representations or warranties about the accuracy, reliability, completeness, or timeliness of information provided by our calculators. Any reliance you place on such information is strictly at your own risk.

4. Intellectual Property

All content on EFinanceCalculator, including but not limited to text, graphics, logos, images, calculator tools, and software, is the property of EFinanceCalculator or its content suppliers and is protected by international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent.

5. User Responsibilities

When using our Service, you are responsible for:

• Ensuring the accuracy of any information you input
• Using calculator results appropriately and responsibly
• Consulting qualified professionals for personal financial decisions
• Complying with all applicable laws and regulations

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL E FINANCE CALCULATOR, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• (i) Your use or inability to use the Service
• (ii) Any unauthorized access to or use of our servers
• (iii) Any interruption or cessation of transmission to or from our Service
• (iv) Any bugs, viruses, or similar issues transmitted through the Service
• (v) Any errors or omissions in any content
• (vi) Any finance-related decisions made based on calculator results

7. Indemnification

You agree to defend, indemnify, and hold harmless E Finance Calculator and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

8. Privacy

Your use of our Service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices. By using the Service, you consent to our Privacy Policy.

View our Privacy Policy

9. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by E Finance Calculator. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such content.

10. Termination

We reserve the right to terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of Croatia and the European Union, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements.

13. Changes to Terms

We reserve the right, at our sole discretion, 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.

14. Contact Information

If you have any questions about these Terms of Use, please contact us: