Terms of Service

1. Agreement to Terms

By accessing or using Financial Freedom ("the Service," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

We reserve the right to update these Terms at any time. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Description of Service

Financial Freedom provides online financial calculators and tools to help users make informed financial decisions. Our services include:

• Financial calculators (buy vs rent, retirement, mortgage, etc.)
• Calculation history and data storage (for paid subscribers)
• Educational content and resources

3. User Accounts

Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion.

4. Subscription and Payment

Lifetime Access

We offer a one-time lifetime access subscription that provides:

• Unlimited calculations on all calculators
• Access to calculation history
• Priority support
• Access to all future calculators and features

Billing

Payment is processed securely through our third-party payment processor. By providing payment information, you:

• Authorize us to charge the stated amount
• Confirm that the payment information is accurate
• Agree to pay all applicable fees and taxes

5. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use automated systems to access the Service without permission
• Copy, modify, or distribute our content without permission
• Impersonate another person or entity
• Transmit viruses or malicious code
• Harvest or collect user information

6. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, code, and software, are owned by Financial Freedom or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

7. Disclaimer of Warranties

IMPORTANT: The Service is provided "as is" and "as available" without warranties of any kind, either express or implied.

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• The results obtained from the Service will be accurate or reliable
• Any errors will be corrected

8. Not Financial Advice

9. Limitation of Liability

To the fullest extent permitted by law, Financial Freedom and its officers, directors, employees, collaborators, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages resulting from your use or inability to use the Service
• Any financial losses resulting from decisions made based on our calculators

10. Indemnification

You agree to indemnify, defend, and hold harmless Financial Freedom and its affiliates from any claims, liabilities, damages, losses, and expenses arising from your use of the Service or violation of these Terms.

11. Governing Law and Disputes

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

Any disputes arising from these Terms or the Service shall be resolved through arbitration/courts in California.

12. Changes to Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuance of the Service.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Financial Freedom regarding the Service and supersede all prior agreements.

15. Contact Information

If you have questions about these Terms, please contact us at: