Terms of Service

These Terms of Service ("Terms") govern your access to and use of FINAIW (the "Website," "we," "us," or "our"), available at finaiw.com. By using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. The Service

FINAIW provides free financial calculators, planning tools, educational content, and related features. No account or signup is required to use the calculators — your inputs and results are processed and stored only in your own browser, never on our servers.

We may add, change, or remove features, calculators, or content at any time, and we may display advertising to keep the Website free — see our Disclaimer for details on advertising and cookies.

2. Not Financial, Legal, or Tax Advice

Every calculator, tool, and piece of content on FINAIW is provided for educational and illustrative purposes only. Nothing on this Website constitutes financial, investment, tax, or legal advice, and using the Website does not create an advisor-client relationship of any kind. Always consult a qualified professional before making financial decisions — see our Disclaimer for the full details.

3. Acceptable Use

When using FINAIW, you agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable law.
• Attempt to gain unauthorized access to any part of the Website, its systems, or data of other users.
• Interfere with or disrupt the Website's functioning, including through automated scraping, bots, or excessive requests.
• Copy, reproduce, or redistribute the Website's content, calculators, or design for commercial purposes without our written permission.
• Submit false, misleading, or malicious content through our contact, feedback, or newsletter forms.

4. Intellectual Property

The Website's design, layout, calculators, original written content, and branding are owned by FINAIW unless otherwise noted. You may use the calculators and read the content for your own personal, non-commercial use. You may not copy, modify, or redistribute the underlying code, design, or content without permission.

5. Third-Party Services and Links

The Website may use third-party services (such as Google AdSense for advertising) and may link to external websites. We do not control and are not responsible for the content, accuracy, or practices of any third-party service or site. Your use of any third-party service is subject to that service's own terms and privacy policy.

6. Availability and Changes

We aim to keep FINAIW available and accurate, but we do not guarantee the Website will be uninterrupted, error-free, or available at all times. We may suspend, restrict, or discontinue any part of the Website without notice.

7. Limitation of Liability

To the fullest extent permitted by law, FINAIW and its owners are not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Website — including any financial decisions made based on its calculators or content. See our Disclaimer for the complete limitation of liability terms.

8. Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by an updated "Last Updated" date at the top of this page. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

9. Governing Law

These Terms are governed by the laws of India, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in India.