Terms of Service

1. Acceptance of Terms

By accessing or using groowfin.com (the "Site") and its financial calculators, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, you must not use the Site.

2. Description of Service

Groowfin provides free online financial calculators for educational and informational purposes. The Site offers tools for calculating compound interest, mortgage payments, retirement projections, loan affordability, debt payoff strategies, and other financial scenarios.

The Service is provided "as is" and "as available" without warranty of any kind. We do not guarantee the accuracy, completeness, or reliability of any calculations or results produced by the Site.

3. No Financial Advice

The content and calculations provided by the Site are for informational and educational purposes only. They do not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

You should consult a qualified financial advisor, accountant, tax professional, or other relevant expert before making any financial decisions based on information obtained from this Site.

Groowfin and its operators shall not be held liable for any financial decisions made based on the results of our calculators.

4. User Responsibilities

• You agree to use the Site only for lawful purposes and in accordance with these Terms.
• You agree not to use the Site to distribute malware, engage in unauthorized access, or interfere with the Site's functionality.
• You agree not to scrape, copy, or redistribute the Site's content, code, or design without prior written consent.
• You acknowledge that all calculations are performed locally in your browser and that we do not store or process your input data.

5. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, icons, images, software, and the overall design and layout, is the property of Groowfin or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from the Site without our express written permission.

6. Third-Party Links and Advertising

The Site may contain links to third-party websites and display advertisements from third parties. We are not responsible for the content, privacy practices, or availability of any third-party sites or services.

Advertising is provided by Google AdSense. By using the Site, you consent to the placement of advertising cookies as described in our Privacy Policy and Cookie Policy.

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT, CALCULATIONS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION ON THE SITE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GROOWFIN AND ITS OPERATORS, AFFILIATES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING FROM OR RELATED TO YOUR USE OF THE SITE.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS (USD $100).

9. Indemnification

You agree to indemnify and hold harmless Groowfin, its operators, affiliates, and contributors from any claims, damages, losses, and expenses (including legal fees) arising from your use of the Site or violation of these Terms.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

11. Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice or liability, for any reason, including breach of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Groowfin operates, without regard to its conflict of law provisions.