Terms of Service

1. Acceptance of Terms

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

2. Description of Service

FinFlow provides free online financial calculators and tools including:

• Loan Calculator with EMI and inflation adjustment calculations
• SIP (Systematic Investment Plan) Calculator
• SWP (Systematic Withdrawal Plan) Calculator
• Fixed Deposit (FD) Calculator
• Recurring Deposit (RD) Calculator
• Educational content and financial guidance

3. Use License

Permission is granted to temporarily use FinFlow for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials

4. Disclaimer

• All calculations are estimates based on the information you provide
• Actual results may vary based on market conditions and lender terms
• We recommend consulting with qualified financial professionals before making financial decisions
• FinFlow is not responsible for any financial losses or decisions made based on our calculations

5. Accuracy of Information

While we strive to provide accurate calculations and information:

• We make no warranties about the completeness, reliability, and accuracy of this information
• Any action you take based on the information on this website is strictly at your own risk
• We will not be liable for any losses or damages in connection with the use of our website
• Users should verify all calculations independently

6. Privacy and Data Protection

Your privacy is important to us:

• All calculations are performed locally in your browser
• We do not store or transmit your financial data
• We may collect anonymous usage statistics to improve our services
• Please refer to our Privacy Policy for detailed information

7. Prohibited Uses

You may not use our service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code

8. Service Availability

We strive to provide continuous service availability, but:

• We do not guarantee uninterrupted or error-free service
• We may temporarily suspend service for maintenance or updates
• We reserve the right to modify or discontinue the service at any time
• We are not liable for any service interruptions or data loss

9. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of FinFlow and its licensors. The service is protected by copyright, trademark, and other laws.

10. Limitation of Liability

In no event shall FinFlow, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

11. Governing Law

These terms shall be interpreted and governed in accordance with applicable laws, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

13. Contact Information

If you have any questions about these Terms of Service, please contact us through our contact page.