Terms of Service

1. Acceptance of Terms

By accessing and using Future Value Calculator ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this Service.

2. Service Description

Future Value Calculator is a web-based financial calculation tool that provides:

• Compound interest calculations
• Investment growth projections
• AI-powered financial planning assistance
• Reverse calculation functionality
• Multi-currency and multi-language support

3. Educational Purpose Only

• All calculations are estimates based on inputs provided
• Actual investment returns may vary significantly
• Past performance does not guarantee future results
• Always consult a qualified financial professional before making investment decisions

4. User Responsibilities

By using our service, you agree to:

• Use the service only for lawful purposes
• Provide accurate information when using our calculators
• Not attempt to reverse engineer or disrupt our systems
• Respect intellectual property rights
• Not use this service to provide financial advice to others without proper licensing

5. Accuracy and Reliability

While we strive to provide accurate calculations:

• We do not guarantee the accuracy of all calculations
• Results are based on mathematical models and assumptions
• Real-world factors may affect actual outcomes
• Users should independently verify important calculations

6. Limitation of Liability

To the maximum extent permitted by law:

• We are not responsible for any financial losses resulting from use of our service
• We do not guarantee uninterrupted or error-free service
• Our liability is limited to the maximum extent permitted by law
• We are not responsible for decisions made based on our calculations

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Future Value Calculator and are protected by:

• Copyright laws
• Trademark laws
• Other intellectual property rights

8. AI Services

Our AI-powered features:

• Are provided "as is" without warranty
• May not always produce accurate or complete results
• Should not be relied upon for critical financial decisions
• Are subject to the limitations of current AI technology

9. Service Availability

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We shall not be liable for any modification, suspension, or discontinuance of the Service.

10. Governing Law

These terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law provisions.

11. Changes to Terms

We reserve the right to update these terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes constitutes acceptance of the new terms.

12. Contact Information

If you have any questions about these Terms of Service, please contact us through our website or the contact information provided on our homepage.