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Welcome to FinanceToolkit.online ("Website," "Service," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our Website and the services provided therein. By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Service.

1. Use of Services and Eligibility

FinanceToolkit.online provides a collection of financial calculators, budget planners, informational content, and other tools for personal, non-commercial use only. By creating an account and using our services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Disclaimer: Not Financial Advice

All content, tools, calculators, AI-generated suggestions, and any information provided on this Website are for **informational and educational purposes only**. They do not constitute, and should not be interpreted as, professional financial, investment, tax, legal, or any other form of advice. We are not a SEBI-registered investment advisor or a financial planner. The results from our calculators are estimates based on standard formulas and user-provided data and may not be entirely accurate or reflective of actual returns or costs from a financial institution. You are solely responsible for your financial decisions and research. Before making any financial decision, you must consult with a qualified and licensed professional who can assess your individual situation.

3. Intellectual Property Rights

The Service and all its original content, features, and functionality (including but not limited to all information, software, text, displays, images, logos, branding, tools, and the design, selection, and arrangement thereof) are the exclusive property of FinanceToolkit.online and its licensors. They are protected by international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, republish, distribute, or transmit any material from our Service without our express prior written permission.

4. Prohibited Use

You agree not to use the Service for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Service. Prohibited activities include, but are not limited to:

• Engaging in any activity that is illegal, fraudulent, or harmful.
• Attempting to gain unauthorized access to our systems, servers, or user accounts through hacking, password mining, or any other means.
• Using our tools, data, or content for any commercial purpose without our prior written consent.
• Introducing any viruses, trojan horses, worms, or other material that is malicious or technologically harmful.
• Using any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any of the material on the Website.
• Disrupting the integrity, security, or performance of the Service.

5. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will FinanceToolkit.online, its affiliates, or their licensors, service providers, employees, agents, or owners be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, financial losses, loss of data, loss of profits, or other intangible losses, resulting from (i) your access to or use of or inability to use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage. You use the service entirely at your own risk.

6. User Accounts, Passwords, and Security

If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials, including your password. You agree to accept responsibility for all activities that occur under your account. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. We will not be liable for any loss or damage arising from your failure to comply with this security obligation.

7. Termination

We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Terms. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may do so by contacting us.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or related to these Terms or the Services shall be instituted exclusively in the federal or state courts located in Chennai, Tamil Nadu.

9. Right to Change Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. We will notify users of any changes by updating the "Last updated" date on this page. Your continued use of the site after such changes constitutes your acceptance of the new Terms.