Terms of Service

1. Acceptance of Terms

Welcome to Wealth Tools! By accessing or using our website and services, you agree to be bound by these Terms of Service. If you don't agree with these terms, please don't use our services.

Wealth Tools LLC ("we," "us," or "our") operates this website to provide free financial calculators and planning tools.

2. Description of Service

Wealth Tools provides free online financial calculators and planning tools, including but not limited to:

• Investment calculators and projections
• Mortgage and refinance calculators
• Budget planning tools
• Net worth tracking
• Credit card repayment calculators
• Financial health assessments

3. Not Financial Advice

You should not rely solely on these tools to make financial decisions. We strongly recommend consulting with qualified financial advisors, tax professionals, or other experts before making any financial decisions.

Results from our calculators are estimates based on the information you provide and may not reflect actual outcomes. We make no guarantees about the accuracy or completeness of calculations.

4. User Accounts and Data

To use certain features, you may create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• The accuracy of information you enter into our tools
• Notifying us immediately of any unauthorized access

You retain ownership of all financial data you enter. We store this data to provide our services to you. See our Privacy Policy for details on how we handle your data.

5. Acceptable Use

You agree NOT to:

• Use the service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Upload malicious code or viruses
• Scrape, copy, or redistribute our content without permission
• Impersonate others or provide false information

6. Intellectual Property

All content on this website, including text, graphics, logos, code, and calculators, is owned by Wealth Tools LLC and protected by copyright and other intellectual property laws.

You may use our tools for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works without our written permission.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the service will be uninterrupted or error-free
• Warranties regarding the accuracy or reliability of calculations

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WEALTH TOOLS LLC SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, or consequential damages
• Lost profits or revenues
• Loss of data or business opportunities
• Financial losses resulting from reliance on our tools

Our total liability for any claims shall not exceed $100 USD.

9. Dispute Resolution and Arbitration

Most disputes can be resolved informally. Please contact us at contact@wealth-tools.com before taking formal action.

Binding Arbitration: If we can't resolve a dispute informally, you agree that any legal dispute will be resolved through binding arbitration rather than in court. This means:

• Disputes will be resolved by a neutral arbitrator, not a judge or jury
• The arbitration will be conducted under the rules of the American Arbitration Association
• The arbitrator's decision is final and binding
• You waive your right to a jury trial
• You waive your right to participate in class action lawsuits

Exceptions: Either party may bring claims in small claims court if they qualify. We may also seek injunctive relief in court for intellectual property violations.

10. Governing Law

These Terms are governed by the laws of the United States and the state where Wealth Tools LLC is registered, without regard to conflict of law principles.

11. Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms or for any other reason, with or without notice.

You may delete your account at any time by contacting us at contact@wealth-tools.com. Upon deletion, your data will be removed in accordance with our Privacy Policy.

12. Changes to Terms

We may update these Terms from time to time. We'll notify you of significant changes by posting the new Terms with an updated "Last Updated" date.

Your continued use of the service after changes take effect constitutes acceptance of the new Terms.

13. Contact Information

If you have questions about these Terms, please contact us at:
Email: contact@wealth-tools.com
Company: Wealth Tools LLC

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.