Terms of Service

Last updated: July 14, 2025

1. Acceptance of Terms

By accessing and using FreeBudgetCalc.com ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our service.

2. Description of Service

FreeBudgetCalc.com provides free financial calculators, educational content, and tools for informational purposes. Our comprehensive suite includes:

Investment & Savings Calculators:

  • SIP (Systematic Investment Plan) Calculator
  • Compound Interest Calculator
  • Savings Calculator
  • Retirement Calculator
  • Crypto Calculator

Loans & Debt Calculators:

  • Mortgage Calculator
  • EMI (Equated Monthly Installment) Calculator
  • Loan Calculator
  • Debt Payoff Calculator

Budgeting & Planning Tools:

  • Paycheck Calculator
  • Household Bills Calculator
  • Holiday & Trip Calculator
  • Wedding & Event Calculator

Insurance & Protection:

  • Insurance Calculator
  • Car Purchase Calculator

Educational Content:

  • Financial Tips and Guides
  • History of Money
  • Financial Games & Quizzes
  • Country-specific Financial Information

3. Financial Disclaimer

Important Financial Disclaimer: The calculators, tools, and information provided on FreeBudgetCalc.com are for educational and informational purposes only. They should not be considered as financial advice, investment recommendations, or professional financial planning services. Always consult with qualified financial professionals before making investment or financial decisions.

Limitations of Our Calculators:

  • Estimates Only: All calculations are estimates based on the information you provide and standard mathematical formulas.
  • Market Variability: Actual results may vary significantly due to market conditions, economic factors, and investment performance.
  • Fees and Taxes: Our calculators may not account for all fees, taxes, inflation, or other costs that could affect your actual returns.
  • Regulatory Changes: Tax laws, contribution limits, and financial regulations may change, affecting calculations.
  • Personal Circumstances: Your individual financial situation, goals, and risk tolerance are not considered in our calculations.

Not Financial Advice:

We are not licensed financial advisors, brokers, or financial planners. Our content does not constitute:

  • Investment advice or recommendations
  • Tax advice or planning
  • Legal or estate planning advice
  • Insurance advice or recommendations

4. User Responsibilities

By using our service, you agree to:

Acceptable Use:

  • Use the service for lawful purposes only
  • Provide accurate information when using our calculators
  • Use the service for personal, non-commercial purposes
  • Respect the intellectual property rights of FreeBudgetCalc.com

Prohibited Activities:

  • Attempting to interfere with or disrupt the service
  • Using automated systems to access the service excessively
  • Copying, reproducing, or distributing our content without permission
  • Attempting to gain unauthorized access to our systems
  • Using the service to harm, threaten, or harass others
  • Transmitting malicious code or viruses
  • Engaging in any activity that could damage our reputation or business

Data Accuracy:

While we strive to provide accurate calculators and information, you are responsible for:

  • Verifying the accuracy of any calculations
  • Understanding the limitations of our tools
  • Seeking professional advice for important financial decisions

5. Intellectual Property

The content, organization, graphics, design, and other matters related to FreeBudgetCalc.com are protected under applicable copyrights and other proprietary laws. Copying, redistribution, or publication of any such content is strictly prohibited without our express written permission.

6. Privacy and Data Collection

We respect your privacy and are committed to protecting your personal information. Our data collection and usage practices are detailed in our Privacy Policy.

By using our service, you consent to our collection and use of your information as described in our Privacy Policy.

7. Disclaimer of Warranties

The service is provided "as is" without any warranties, express or implied. We disclaim all warranties, including but not limited to:

  • Merchantability and fitness for a particular purpose
  • Accuracy or completeness of information
  • Uninterrupted or error-free operation
  • Security or freedom from viruses

8. Limitation of Liability

To the fullest extent permitted by law, FreeBudgetCalc.com, its owners, employees, contractors, and affiliates shall not be liable for any:

Types of Damages:

  • Direct, indirect, incidental, special, or consequential damages
  • Loss of profits, revenue, or business opportunities
  • Financial losses resulting from reliance on our calculators
  • Data loss or corruption
  • Service interruptions or downtime
  • Third-party actions or content

Maximum Liability:

In no event shall our total liability to you for all damages exceed $100 USD, regardless of the form of action or the basis of the claim.

Financial Decisions:

We are not responsible for any financial losses, missed opportunities, or adverse consequences resulting from:

  • Decisions made based on our calculators or information
  • Errors or inaccuracies in our calculations
  • Changes in market conditions or regulations
  • Your failure to seek professional financial advice

9. Third-Party Links and Services

Our service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites or services.

10. Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated revision date. Your continued use of the service after any changes constitutes acceptance of those changes.

11. Termination

We may terminate or suspend your access to the service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

12. Governing Law

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

13. Dispute Resolution

Any disputes arising from these terms or your use of our service shall be resolved through:

  • Informal Resolution: We encourage you to contact us first to resolve any disputes
  • Binding Arbitration: If informal resolution fails, disputes will be resolved through binding arbitration
  • Class Action Waiver: You agree to resolve disputes individually and waive any right to participate in class actions

14. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and FreeBudgetCalc.com regarding your use of our service.

16. Contact Information

If you have any questions about these Terms of Service, please contact us:

Return to Home