Terms of Service

Who We Are

Math of Money (mathofmoney.com) is operated by S M Ariful Islam Shawon, an individual ("we", "us"). Contact: contact@mathofmoney.com.

Acceptance of Terms

By accessing and using Math of Money, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the site.

Use of Calculators

Math of Money provides financial calculators as educational tools only. You agree to use them lawfully and not to:

• Circumvent security measures or attempt unauthorized access.
• Scrape, crawl, or bulk-download calculator results without permission.
• Use the site for commercial purposes without explicit written consent.
• Harass or interfere with site operations or other users.

Not Financial, Tax, or Legal Advice

Math of Money calculators provide estimates and educational information only. They are not:

• Financial, investment, or tax advice.
• Legal counsel or accounting services.
• A substitute for professional advice from a licensed advisor, accountant, or attorney.

Always consult with a qualified professional before making major financial decisions.

No Warranty

Math of Money is provided "as is" without warranty of any kind. We make no representations about accuracy, completeness, or fitness for a particular purpose. Calculator results may contain errors due to:

• Input errors or misunderstandings.
• Tax law changes we have not yet incorporated.
• Individual circumstances not accounted for in standard formulas.
• Technical glitches or software bugs.

Limitation of Liability

To the fullest extent permitted by law, Math of Money and its creators are not liable for:

• Financial losses, missed deadlines, or poor decisions made based on calculator results.
• Indirect, incidental, consequential, or punitive damages.
• Site downtime, data loss, or security breaches (to the extent not caused by our negligence).

Some jurisdictions do not allow disclaimers of liability; in such cases, our liability is limited to the amount you paid us (which is zero, if our site is free).

User Accounts

If you create an account by signing in with Google:

• You are responsible for keeping your Google credentials secure.
• You are responsible for all activities under your account.
• You may delete your account anytime; we will delete associated data within 30 days.

User-Generated Content

If you share or export calculator results, you understand that shared links may be publicly accessible (if you choose to share them). Do not include sensitive information (SSNs, account numbers, etc.) in shared calculations.

Intellectual Property

Math of Money and all its content (text, code, design, calculators) are owned by Math of Money or its licensors. You may use the site for personal, non-commercial purposes only. You may not reproduce, modify, or distribute any content without permission.

Third-Party Services

Math of Money uses third-party services (Google Analytics, Google AdSense, Google Sign-In). These services are subject to their own terms and privacy policies. We are not responsible for their practices.

Changes to These Terms

We may update these terms at any time. Continued use of the site constitutes acceptance of new terms. We will post significant changes on this page and notify users via email if required.

Governing Law

These terms are governed by the laws of [State], without regard to conflicts of law principles. Any disputes shall be resolved in the state and federal courts located in [State].

Contact Us

Questions about these terms? Contact us or email contact@mathofmoney.com.