Terms of Service

1. Acceptance of Terms

By accessing and using FinPath AI ("the Service"), available at finpathai.co, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

FinPath AI provides free online financial calculators, planning tools, and educational content. Our tools include but are not limited to: Tax Calculators, Savings Planners, Investment Calculators, Expense Optimizers, Insurance Estimators, Side Hustle Validators, and Savings Tips. All tools perform calculations client-side in your browser.

3. Disclaimer — Not Financial Advice

IMPORTANT: The information, tools, and content provided by FinPath AI are for educational and informational purposes only. They do NOT constitute financial advice, tax advice, investment advice, or any other form of professional advice. The calculations and estimates provided by our tools are approximations based on general formulas and publicly available data.

You should always consult with a qualified financial advisor, tax professional, or other appropriate expert before making any financial decisions. We are not responsible for any financial losses or damages that may result from reliance on information provided through our Service.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, or reliability of any information, calculations, or content on our website. Tax rates, insurance costs, investment returns, and other financial data may change without notice. Users are responsible for verifying all information independently.

5. User Responsibilities

By using our Service, you agree to:

• Use the Service only for lawful purposes
• Not attempt to interfere with or disrupt the Service
• Not attempt to access areas of the Service that are not intended for public access
• Not use automated systems (bots, scrapers) to access the Service without permission
• Not reproduce, distribute, or create derivative works from our content without permission

6. Intellectual Property

All content on FinPath AI, including text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of FinPath AI or its content suppliers and is protected by international copyright laws. The compilation of all content on this site is the exclusive property of FinPath AI.

7. Third-Party Advertisements

Our Service displays advertisements provided by third-party advertising networks, including Google AdSense. We are not responsible for the content of these advertisements or the products/services they promote. Clicking on advertisements will redirect you to third-party websites that have their own privacy policies and terms of service.

8. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by FinPath AI. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites you visit.

9. Limitation of Liability

To the maximum extent permitted by applicable law, FinPath AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from: (a) your use or inability to use the Service; (b) any errors or inaccuracies in our calculations or content; (c) any unauthorized access to or use of our servers; (d) any financial decisions made based on information from our Service.

10. Indemnification

You agree to defend, indemnify, and hold harmless FinPath AI and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the Service.

11. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

12. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

14. Contact Us

If you have any questions about these Terms of Service, please contact us at: [email protected]