Terms and Conditions

1. Acceptance of Terms

By accessing, browsing, or using FVCalculator.com ("the Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our Website.

We reserve the right to modify these Terms and Conditions at any time without prior notice. Your continued use of the Website following the posting of changes will mean that you accept and agree to the changes.

2. Definitions

3. Eligibility and Registration

3.1 Age Requirement

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old.

3.2 User Accounts

While most features of our Website are available without registration, we may offer additional features that require account creation. When you create an account, you agree to:

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

4. License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Website for your personal, non-commercial use.

5. Financial Calculators and Content

5.1 Educational Purpose

All financial calculators and educational content on this Website are provided for informational and educational purposes only. They are not intended as financial advice, investment advice, or professional advice of any kind.

5.2 No Guarantees

We make no representations or warranties regarding the accuracy, completeness, or reliability of any calculations, estimates, or projections provided by our calculators. Actual results may vary significantly from calculated results.

5.3 User Responsibility

You are solely responsible for:

• The accuracy of data you input into our calculators
• Any financial decisions you make based on calculator results
• Verifying results with qualified financial professionals
• Understanding the limitations of our calculators

6. Intellectual Property Rights

6.1 Ownership

All content, features, and functionality on the Website, including but not limited to text, graphics, logos, images, calculators, software, and the compilation thereof, are owned by us, our licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Trademarks

The FVCalculator.com name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of us or our affiliates or licensors. You must not use such marks without our prior written permission.

6.3 User Content

If you submit any content to the Website, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content in any media.

7. Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate us, our employees, another user, or any other person or entity
• To engage in any other conduct that we determine, in our sole discretion, is harmful to us, our users, or third parties

8. Third-Party Links and Content

The Website may contain links to third-party websites or resources. We provide these links for your convenience only and have no control over the contents of those websites or resources.

We are not responsible for:

• The availability or accuracy of such external sites or resources
• The content, products, or services on or available from such websites or resources
• Any damage or loss caused by or in connection with use of any such content, goods, or services

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, CALCULATORS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OF CALCULATIONS OR CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FVCALCULATOR.COM, ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• LOSS OF PROFITS
• LOSS OF DATA
• FINANCIAL LOSSES
• INVESTMENT LOSSES
• BUSINESS INTERRUPTION

THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS.

11. Indemnification

You agree to defend, indemnify, and hold harmless FVCalculator.com, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website.

12. Termination

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

Upon termination, your right to use the Website will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive termination, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

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

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the courts of Mumbai, Maharashtra, India. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

15. Contact Information

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

Email: legal@fvcalculator.com