Terms & Conditions

Welcome to Finertia. These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User”, “you”, or “your”) and Finertia (“we”, “us”, or “our”) regarding your access to and use of our website, financial calculation tools, and related services (collectively, the “Service”).

By accessing, browsing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Service.

By using our Service, you represent and warrant that:

• You are at least 18 years of age or have parental consent to use the Service
• You have the legal capacity to enter into these Terms
• You will comply with all applicable laws and regulations
• All information you provide is accurate and current
• You will not use the Service for any illegal or unauthorized purpose

Finertia provides financial calculation tools and educational resources for informational purposes. Our Service includes:

• Financial calculators for various purposes (mortgages, loans, investments, etc.)
• Educational content and financial information
• Interactive tools and features
• Related services as we may add from time to time

You may use our Service for personal, non-commercial purposes in accordance with these Terms. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice.

Some features of our Service may require you to create an account. When you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms.

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Finertia or its licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, or create derivative works from our content
• Use our trademarks, logos, or brand names without our written permission
• Reverse engineer, decompile, or disassemble any software or technology
• Remove any copyright or proprietary notices from our materials

If you submit, post, or transmit any content through our Service (including feedback, comments, or suggestions), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content worldwide.

You represent and warrant that any content you submit:

• Does not infringe any third-party rights
• Is not defamatory, obscene, or otherwise unlawful
• Does not contain viruses or harmful code
• Is accurate and not misleading

You agree not to engage in any of the following prohibited activities:

• Using the Service for any illegal purpose or in violation of any laws
• Attempting to gain unauthorized access to our systems or networks
• Interfering with or disrupting the Service or servers
• Transmitting any viruses, malware, or harmful code
• Collecting or harvesting user information without consent
• Impersonating any person or entity
• Engaging in any automated use of the Service (scraping, crawling, etc.)
• Using the Service to compete with us or for commercial purposes without authorization

To the maximum extent permitted by law, Finertia and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, data, or use
• Business interruption
• Personal injury or property damage
• Errors or omissions in content
• Decisions made based on information from our Service

Our total liability to you for any claims arising from or related to the Service shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.

You agree to indemnify, defend, and hold harmless Finertia and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) arising from:

• Your use of or access to the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the Service

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

You may terminate your account at any time by contacting us or using account deletion features if available. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on this page
• Updating the “Last Updated” date
• Sending you an email notification (if you have provided an email address)
• Displaying a prominent notice on our website

Your continued use of the Service after any changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Service.

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of [Your Jurisdiction].

If you have any dispute with us, you agree to first contact us to attempt to resolve the dispute informally. If we cannot resolve the dispute within 60 days, you agree to resolve any claim, dispute, or controversy through binding arbitration in accordance with the rules of [Arbitration Organization], except where prohibited by law.

You waive any right to a jury trial and agree that any dispute will be resolved on an individual basis and not as part of a class action.

If you have questions about these Terms and Conditions, please contact us: