Terms of Service

1. Acceptance of Terms

By accessing or using CalcTools, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

CalcTools provides online calculators for age calculation and financial planning. Our services are provided "as is" and may change without notice.

3. User Conduct

You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use of the service.

4. Intellectual Property

All content, features, and functionality on CalcTools, including but not limited to text, graphics, logos, and code, are owned by CalcTools and are protected by copyright, trademark, and other intellectual property laws.

5. Disclaimer of Warranties

CalcTools provides its services on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the reliability, accuracy, or availability of our services.

6. Limitation of Liability

CalcTools shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

7. Financial Calculations

The financial calculators provided by CalcTools are for informational purposes only and should not be considered financial advice. We recommend consulting with a qualified financial professional before making any financial decisions.

8. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of significant changes by updating the "Last Updated" date at the top of this page.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

10. Contact Information

If you have any questions about these Terms, please contact us at legal@example.com.