# Terms of Service

Canonical URL: https://torturado.github.io/terms

## Acceptance and changes

- Using the site means agreeing to the published terms.
- Users are responsible for complying with applicable local laws.
- Terms may be updated through notices on the website.

## License and restrictions

- The terms describe a free, non-exclusive license for personal and commercial use.
- Users agree not to reverse engineer, bypass security features, use the service unlawfully, or interfere with access.

## Calculator functionality

- Calculations are provided "as is".
- The tool uses compound-interest formulas and real-time updates.
- The terms say the calculator is for estimation only and is not financial advice.

## Third-party services

- Hosting is provided through GitHub Pages.
- Anonymous analytics are provided through Umami Analytics.

## Disclaimers and liability

- No warranties are provided for accuracy, uninterrupted service, or fitness for a particular purpose.
- The terms disclaim liability for calculation errors, data loss, lost profits, and service interruptions.

## Intellectual property and termination

- The terms claim ownership over the site's code, text, graphics, and calculator functionality.
- Access may be suspended or terminated at the operator's discretion.

## Contact

- Email: expcalculator.cupped755@passinbox.com

Last modified: February 27, 2025