Terms of Service

1. Acceptance of Terms

By using Friendly Financial Tools, you agree to these Terms of Service. If you do not agree, please do not use our services.

2. Description of Service

Friendly Financial Tools provides free online financial calculators and planning tools for informational and educational purposes. Our tools include:

• Mortgage and loan calculators
• Investment and retirement planning tools
• Budget and debt management calculators
• Tax estimation tools

3. Disclaimer of Financial Advice

IMPORTANT: Our tools provide calculations and estimates for informational purposes only. They do not constitute financial, investment, tax, or legal advice.

Always consult with qualified professionals (financial advisors, tax professionals, attorneys) before making financial decisions. Results from our calculators are estimates and may not reflect actual outcomes.

4. Accuracy of Information

While we strive to provide accurate calculations, we make no warranties about the completeness, reliability, or accuracy of the information provided. Tax laws, interest rates, and financial regulations change frequently and may affect calculator results.

5. Use Restrictions

You agree not to:

• Use our tools for any unlawful purpose
• Attempt to disrupt or overwhelm our services
• Scrape or harvest data from our site without permission
• Misrepresent the results from our calculators

6. Intellectual Property

All content, features, and functionality on Friendly Financial Tools are owned by us and are protected by copyright, trademark, and other intellectual property laws.

7. Limitation of Liability

To the fullest extent permitted by law, Friendly Financial Tools shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

8. Indemnification

You agree to indemnify and hold harmless Friendly Financial Tools from any claims arising from your use of our services or violation of these terms.

9. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

10. Contact Information

For questions about these Terms of Service, please contact us at legal@friendlyfinancialtools.com