1. Acceptance of terms
By accessing and using SmartMoneyCalcs, you accept and agree to be bound by these Terms of Service.
2. Use of service
You may use our calculators and content for personal, non-commercial purposes. You may not:
- Use our tools for illegal purposes
- Attempt to gain unauthorized access to our systems
- Scrape or harvest content automatically without permission
- Misrepresent our content as your own
3. Intellectual property
All content on this website — including text, images, calculations, and code — is owned by SmartMoneyCalcs or its licensors and is protected by copyright laws.
4. Disclaimer of warranties
THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. We make no representations about the accuracy of calculations, the reliability of results, or fitness for any particular purpose.
5. Limitation of liability
IN NO EVENT SHALL SMARTMONEYCALCS BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING:
- Direct, indirect, or incidental damages
- Loss of profits, data, or business opportunities
- Decisions made based on our calculations
6. User-generated content
Any feedback or content you submit through our contact form may be used by us to improve the site. Don't submit confidential or proprietary information through the contact form.
7. Third-party links
Our site may contain links to third-party websites. We are not responsible for the content or practices of those sites.
8. Modifications
We may modify these Terms at any time. Continued use of the service after changes constitutes acceptance of the new Terms.
9. Governing law
These Terms are governed by the laws of Japan (the operator's country of residence), without regard to conflict-of-law principles. Where applicable, US users retain their rights under federal and state law.
10. Contact
For questions about these Terms, contact us via our Contact page.