Terms of Service & Usage Policies
Welcome to FinanceNS. By accessing our professional suite of 200+ financial calculators and planning tools, you acknowledge and agree to the following terms, designed to ensure data accuracy and user protection.
Table of Contents
1. Agreement to Terms
By accessing the FinanceNS platform (collectively the “Services”), you enter into a legally binding agreement to comply with these Terms of Service and our Privacy Policy. Our tools are built for high-precision financial estimation and global accessibility.
If you do not accept these professional terms, please discontinue the use of our financial tools immediately.
We reserve the right to revise these Terms at any time to reflect updates in financial regulations or platform features. Your continued use of the Services after such updates constitutes your acceptance of the revised Policies.
2. Definitions & Scope
3. Professional Financial Services
3.1 Scope of Calculators
FinanceNS provides high-performance tools for diverse financial needs, including:
- Amortized Mortgage & Personal Loan Calculators
- Investment Planning (SIP, CAGR, Mutual Fund Simulators)
- Global Tax Burden & Salary Estimations
- Business Valuation & Break-Even Analysis Models
- Retirement Planning & Inflation Adjusters
3.2 Service Integrity
While we strive for 100% uptime, FinanceNS may undergo maintenance to update algorithmic logic. We are not liable for temporary service interruptions or the removal of legacy tools.
4. Proprietary Rights & Algorithm Protection
4.1 Platform Ownership
All software, unique mathematical formulas, UI designs, and brand elements are the exclusive property of FinanceNS. Unauthorized replication or scraping of our tool logic is strictly prohibited.
4.2 Usage Restrictions
You agree not to:
- Reverse-engineer our calculator algorithms for commercial distribution.
- Scrape data using automated bots for competitive analysis.
- Remove FinanceNS watermarks or source attribution from exported financial reports.
5. Responsible Conduct & Usage
5.1 Lawful Financial Modeling
Users must utilize the tools for legitimate financial planning, educational analysis, or professional business projections.
5.2 No Professional Advice Warning
FinanceNS is a provider of computational mathematical tools, not a registered investment, tax, or legal advisor.
CRITICAL: Our outputs are estimates based on standard math. Always consult a Certified Financial Planner (CFP) or Tax Attorney before executing high-stakes financial transactions.
6. Comprehensive Disclaimer of Warranties
FinanceNS provides its tools “As-Is” and “As-Available.” While our algorithms follow strict industry standards, we do not guarantee that every output will match specific bank-applied compounding frequencies or local tax nuances.
We explicitly disclaim all warranties, whether express or implied, including warranties of accuracy, completeness, or fitness for a particular financial purpose.
7. Limitation of Liability
To the maximum extent permitted by global law, FinanceNS shall not be liable for any indirect, incidental, or consequential damages—including investment losses or data inaccuracies—resulting from your reliance on our tools.
As our 200+ calculators are provided free of charge, the user assumes all risks associated with applying calculated estimations to real-world scenarios.
8. Jurisdiction & Legal Compliance
These Terms are governed by the laws of the State of Delaware, USA, providing a stable legal framework for our international user base. Any legal disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
9. Contact & Support
For legal inquiries, partnership requests, or tool integration permissions, please reach out to our professional support team at: contact@financens.com
Common Usage Questions
Professional guidance on our platform policies and user agreements.
Yes. Financial advisors and business consultants are encouraged to use FinanceNS tools for client illustrations and educational purposes. We only ask that you do not remove the site’s attribution from any printed or exported data reports.
Our internal development team regularly audits every calculator against standard financial formulas used by major banks and investment firms. We also update tax-related tools annually to reflect global regulation changes.
FinanceNS follows a strict security protocol where the sensitive financial variables you input (like salary or debt levels) are processed locally in your browser. We do not store your private financial inputs on our servers.
Verified Usage Agreement
By continuing to the platform, you verify that you have understood our terms and are ready to utilize our 200+ precision calculators for smarter financial planning.
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