1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User") and Online Calculators Research Lab, LLC ("Company," "we," "us"), operator of OnlineCalculators.us.com. By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must immediately cease using the Site.

2. Permitted Use

The Site and its calculators are provided for educational and informational purposes only. You may access and use the tools on the Site for personal, non-commercial informational purposes. You may not:

3. No Professional Advice

The calculator outputs on this Site are mathematical estimates generated for educational purposes only. Nothing on this Site constitutes financial, legal, tax, medical, actuarial, engineering, or any other form of professional advice. You should always consult a qualified, licensed professional before making decisions based on estimates produced by our tools.

4. DISCLAIMER OF WARRANTIES — "AS IS" / NO WARRANTY

5. LIMITATION OF LIABILITY

6. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its owners, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of or reliance upon the Site or any calculator output; (b) your violation of these Terms; (c) your violation of any third-party right, including intellectual property or privacy rights; or (d) any decision you make based on information or estimates provided by the Site.

7. Intellectual Property

All content on the Site, including but not limited to text, formulas, articles, graphics, and code, is the property of the Company or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute any content without explicit written consent.

8. Third-Party Links

The Site may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy practices, or accuracy of any third-party sites. Links do not constitute endorsement.

9. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to conflict-of-law provisions. Any dispute arising hereunder shall be resolved exclusively in the state or federal courts located in Sheridan County, Wyoming.

10. Modifications

We reserve the right to modify these Terms at any time. Changes will be reflected by updating the "Last updated" date above. Continued use of the Site following any modification constitutes your acceptance of the revised Terms.

11. Contact

For questions about these Terms, contact us at legal@onlinecalculators.us.com or via our Contact page.

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