Terms of Service

Welcome to Financial Calculators Asia. By accessing and using our website and services, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By using Financial Calculators Asia (“the Service”), you agree to these Terms of Service, our Privacy Policy, and our Disclaimer. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Financial Calculators Asia provides free online financial calculators and educational content for users in Southeast Asia, specifically targeting Philippines, Malaysia, and Singapore. Our calculators include mortgage, loan, savings, investment, insurance, and tax calculation tools.

3. Use of Service

Permitted Use

You may use our Service for:

• Personal financial planning and education
• Estimating financial calculations for informational purposes
• Comparing different financial scenarios
• Educational and research purposes

Prohibited Use

You may NOT use our Service to:

• Provide professional financial advice to others
• Make automated queries or scrape our website
• Attempt to gain unauthorized access to our systems
• Use the Service for any illegal or unauthorized purpose
• Transmit viruses, malware, or harmful code
• Violate any applicable laws or regulations

4. Accuracy and Limitations

While we strive to provide accurate calculations and information:

• All calculations are estimates based on the information you provide
• Results may not reflect actual products offered by financial institutions
• Tax calculations are simplified and may not include all deductions or credits
• Interest rates and regulations change frequently
• We do not guarantee the accuracy, completeness, or timeliness of any information

5. No Financial Advice

Important: Financial Calculators Asia does not provide financial, investment, tax, or legal advice. Our calculators and content are for educational and informational purposes only. Always consult with qualified professionals before making financial decisions.

6. Intellectual Property

All content on Financial Calculators Asia, including text, graphics, logos, calculators, and software, is the property of Financial Calculators Asia or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

7. User Responsibilities

When using our Service, you agree to:

• Provide accurate information when using our calculators
• Use the Service in compliance with all applicable laws
• Not misrepresent the results from our calculators
• Keep any account credentials secure (if applicable)
• Promptly notify us of any security breaches

8. 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 these third parties. Your use of third-party services is at your own risk.

9. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL CALCULATORS ASIA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT SHALL FINANCIAL CALCULATORS ASIA BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

10. Indemnification

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

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any disputes shall be subject to the exclusive jurisdiction of the courts in Singapore.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated revision date. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

13. Termination

We may terminate or suspend your access to the Service at any time, without prior notice or liability, for any reason, including breach of these Terms.

14. Contact Information

For questions about these Terms of Service, please contact us at:

Email: legal@financialcalculators.asia
Address: [Your Business Address]