Terms of Use

1. Acceptance

By accessing or using the "moneycalc.net" website (hereafter referred to as "we," "our," or the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to any part of these terms, your sole remedy is to stop using the Site immediately. This document represents the complete and exclusive agreement between you and us.

2. Amendments to Terms

We may update or revise these Terms at any time at our discretion. Updates take effect once posted on the Site, with the latest version linked in the footer. You are expected to review these terms regularly for any changes.

3. Acceptable Use & Conduct

While using the Site, you agree not to post, submit, or share any material ("Content") that:

• infringes on any copyright, trademark, patent, or other proprietary rights;
• violates laws or regulations at any jurisdictional level;
• is abusive, harassing, threatening, defamatory, or harmful to minors;
• includes unauthorized advertisements or commercial promotions in public areas;
• contains viruses, malicious code, or disruptive software;
• interferes with normal user interaction or operations of the Site;
• is deliberately misleading or false;
• manipulates identifiers (e.g., forged headers) to disguise origin.

You agree not to reverse-engineer, decompile, or attempt to obtain the Site’s source code. Without our written permission, you may not copy, reproduce, sell, or commercially exploit any part of the Site or its services.

4. Privacy

Use of the Site is also subject to our Privacy Policy, which explains how we collect, store, and handle your data.

5. Third-Party Content

The Site may include links to external websites. These links are for informational purposes only and do not constitute an endorsement or association. We are not responsible for their content, privacy practices, or accuracy.

6. Service Accuracy

Some information or data on the Site may be outdated or inaccurate. If you find incorrect information, please contact us so we can verify and update it where possible.

7. Service Modifications & Termination

We may limit, modify, suspend, or terminate your access to the Site at any time without prior notice. We are not obligated to maintain or continue any aspect of the Site.

8. Disclaimer

The Site and its services are provided “as is” without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.

9. Limitation of Liability

We will not be liable for any indirect, incidental, special, or consequential damages resulting from your use or inability to use the Site or its services.

10. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflicts of law. Any disputes will be resolved exclusively in the courts of Texas.

11. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force. Failure by us to enforce any part does not constitute a waiver.

12. Breach & Remedies

We may seek injunctive or equitable relief, in addition to any other legal remedies, for any violation of these Terms.

Privacy Policy

1. Overview

This Privacy Policy explains how we handle your personal information when you use our services. By continuing to use the Site, you consent to the practices described herein.

2. Information We Collect

We may collect the following information:

• Log Data: This may include your IP address, browser type, pages visited, timestamps, and referring URLs.
• Cookies: Small text files stored on your device that help improve your browsing experience. You can reject cookies, but some features may not work properly.
• Third-Party Advertising: Ad partners may use non-personally identifiable data (e.g., browser type, visit time) for interest-based advertising.
• Web Form Submissions: Information you provide through forms is used to deliver requested tools or services.

3. Use of Information

We use collected data to operate, improve, and secure the Site; personalize user experiences; and deliver relevant services and ads.

4. Security

We use commercially reasonable measures to safeguard your information. However, no method of online transmission or storage is 100% secure.

5. External Links

Our Site may link to other websites. We are not responsible for their content or privacy policies. Please review their policies before providing personal data.

6. Children’s Privacy

Our services are not directed to individuals under 13 years old, and we do not knowingly collect personal information from children. If we become aware of such data collection, we will delete it promptly.

7. Contact

If you have questions, reach us at [email protected]. We aim to respond within two business days. Please do not send advertising or solicitation requests.

8. Policy Updates

We may update this Privacy Policy at any time. Changes will be effective upon posting on this page. You are encouraged to review this page regularly.