Terms of Service

1. Acceptance of Terms

By accessing and using SmartCalHub ("the Website"), 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

SmartCalHub provides free online calculators for personal finance, health, education, business, and daily use. Our calculators are designed to provide estimates and general guidance only.

3. Use License

Permission is granted to temporarily access the materials on SmartCalHub 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
• Transfer the materials to another person or "mirror" the materials on any other server

4. Disclaimer

The materials on SmartCalHub are provided on an 'as is' basis. SmartCalHub makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Important: Our calculators provide estimates and general guidance only. They should not be considered as professional financial, medical, or legal advice. Always consult with qualified professionals for specific advice related to your situation.

5. Limitations

In no event shall SmartCalHub or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on SmartCalHub, even if SmartCalHub or a SmartCalHub authorized representative has been notified orally or in writing of the possibility of such damage.

6. Accuracy of Materials

The materials appearing on SmartCalHub could include technical, typographical, or photographic errors. SmartCalHub does not warrant that any of the materials on its website are accurate, complete, or current. SmartCalHub may make changes to the materials contained on its website at any time without notice.

7. Links

SmartCalHub has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by SmartCalHub of the site. Use of any such linked website is at the user's own risk.

8. Modifications

SmartCalHub may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms of Service.

9. Governing Law

These terms and conditions are governed by and construed in accordance with the laws and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

10. Contact Information

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