Terms of Use

1. Acceptance of Terms

By accessing or using tvmcalculator.xyz ("the Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

2. Use of the Calculator

The TVM Calculator is provided as a free educational and informational tool. All calculations are performed in your browser. The results are estimates based solely on the data you input.

The calculator does not constitute financial, investment, tax, or legal advice.

Always consult a qualified professional before making significant financial decisions. We make no representations that the output of the calculator is appropriate for your specific situation.

3. Accuracy Disclaimer

While we strive to ensure the calculator logic is correct, we make no warranties — express or implied — regarding the accuracy, completeness, or suitability of any output. Input errors, unusual wage structures, and other factors may produce results that do not reflect your real financial situation.

4. Intellectual Property

All content on the Site — including text, design, code, logos, and graphics — is owned by or licensed to TVM Calculator. You may not reproduce, distribute, or create derivative works from any content without prior written permission, except as permitted by applicable fair use or fair dealing provisions.

5. Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to disrupt, overload, or compromise the Site's security
• Scrape or harvest data from the Site using automated means without permission
• Frame or mirror the Site without written permission
• Misrepresent the calculator's output as professional financial advice

6. Third-Party Links and Advertising

The Site may display third-party advertisements and links to external websites. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party sites or advertisers. Clicking on third-party links is at your own risk.

7. Limitation of Liability

To the maximum extent permitted by law, TVM Calculator and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of — or inability to use — the Site or its calculator, including but not limited to financial losses resulting from decisions made based on calculator output.

8. Indemnification

You agree to indemnify and hold harmless TVM Calculator and its operators from any claims, damages, liabilities, costs, or expenses arising from your use of the Site or violation of these Terms.

9. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes will be resolved in the appropriate courts of competent jurisdiction. EU consumers retain the benefit of any mandatory consumer protection provisions of their local law.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes take effect upon posting to the Site. Your continued use constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Contact

For questions about these Terms, contact us at legal@tvmcalculator.xyz or via our Contact page.