Last updated: December 2024
1. Acceptance of Terms
By accessing and using Finmetic's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Description of Service
Finmetic provides financial calculators, tools, and educational content for informational purposes. Our services include:
- Financial calculators and analysis tools
- Educational blog content
- Financial planning resources
- Investment strategy comparisons
3. Important Disclaimers
3.1 Not Financial Advice
IMPORTANT: The information provided on this website is for educational and informational purposes only. It is not intended to be and should not be construed as financial advice, investment advice, or any other type of professional advice.
3.2 No Guarantees
Past performance does not guarantee future results. All investments involve risk, including the potential loss of principal. The calculators and tools provided are estimates only and should not be the sole basis for financial decisions.
3.3 Professional Consultation
We strongly recommend consulting with qualified financial advisors, accountants, or legal professionals before making any financial decisions. Our tools are meant to supplement, not replace, professional financial advice.
4. User Responsibilities
By using our services, you agree to:
- Use the tools and information responsibly
- Not rely solely on our calculations for financial decisions
- Verify all calculations and results independently
- Seek professional advice when appropriate
- Not use our services for illegal or unauthorized purposes
- Not attempt to gain unauthorized access to our systems
5. Intellectual Property Rights
The content, tools, and services provided by Finmetic are protected by copyright, trademark, and other intellectual property laws. You may not:
- Copy, reproduce, or distribute our content without permission
- Modify or create derivative works
- Use our content for commercial purposes without authorization
- Remove or alter any copyright notices
6. Limitation of Liability
To the maximum extent permitted by law, Finmetic shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits, data, or business opportunities
- Financial losses resulting from use of our tools
- Damages arising from reliance on our calculations
- Any other damages related to the use of our services
7. Accuracy of Information
While we strive to provide accurate and up-to-date information:
- We do not guarantee the accuracy, completeness, or timeliness of any information
- Financial markets and regulations change frequently
- Our tools use simplified models that may not capture all real-world complexities
- Users should verify all information independently
8. Third-Party Content and Links
Our website may contain links to third-party websites and content. We:
- Do not endorse or control third-party content
- Are not responsible for third-party websites or their content
- Do not guarantee the accuracy of third-party information
- Recommend reviewing third-party terms and privacy policies
9. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
10. Account Registration (If Applicable)
If account registration becomes available:
- You are responsible for maintaining account security
- You must provide accurate and complete information
- You are responsible for all activities under your account
- You must notify us immediately of any unauthorized use
11. Termination
We reserve the right to terminate or suspend access to our services at any time, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users or our business.
12. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
13. Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of the modified terms.
14. Severability
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms of Service will otherwise remain in full force and effect.
15. Contact Information
If you have any questions about these Terms of Service, please contact us at:
Email: legal@financialengineering.com
Address: [Your Business Address]
Phone: [Your Phone Number]