Terms of Service for Fin Tools Lab
Last Updated: June 8, 2025
Welcome to Fin Tools Lab. These Terms of Service ("Terms", "Terms of Service") govern your use of our website located at https://FinToolsLab.com (together or individually "Service") operated by Fin Tools Lab.
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.
1. Use of Our Service
Our Service provides a Compound Interest Calculator (the "Tool") and related informational content. The Service is provided for informational purposes only. You agree to use the Service and the Tool in compliance with all applicable laws and regulations and not for any unlawful purpose.
You must be at least 13 years old to use our Service (or 16 in certain jurisdictions). If you are under 18, you represent that you have your parent or guardian’s permission to use the Service.
2. Accounts
Currently, our Service does not require user account creation for accessing the Compound Clarity calculator. If we introduce features that require accounts in the future, those terms will be updated here. If you contact us or subscribe to any newsletters, you agree to provide information that is accurate, complete, and current.
3. Intellectual Property
The Service and its original content (excluding user-provided calculation inputs), features, and functionality (including the Compound Clarity tool's design and underlying code where proprietary) are and will remain the exclusive property of Fin Tools Lab and its licensors. The Service is protected by copyright, trademark, and other laws of India and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Fin Tools Lab.
You may use the calculator for personal, non-commercial purposes. The generated results, charts, and downloadable reports are for your personal use. You may not systematically extract data or content from the Service for commercial use without our express written permission.
4. Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by Fin Tools Lab.
Fin Tools Lab has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third-party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.
YOU ACKNOWLEDGE AND AGREE THAT Fin Tools Lab SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD-PARTY WEB SITES OR SERVICES.
WE STRONGLY ADVISE YOU TO READ THE TERMS OF SERVICE AND PRIVACY POLICIES OF ANY THIRD-PARTY WEB SITES OR SERVICES THAT YOU VISIT.
5. Termination
We may terminate or suspend your access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
6. Indemnification
You agree to defend, indemnify and hold harmless Fin Tools Lab and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service; or b) a breach of these Terms.
7. Limitation Of Liability
IN NO EVENT SHALL Fin Tools Lab, NOR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (III) ANY CONTENT OBTAINED FROM THE SERVICE; AND (IV) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
8. Disclaimer
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
Fin Tools Lab its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
The Compound Clarity calculator is for informational and illustrative purposes only, as detailed in our Disclaimer. The calculations provided are estimates based on the inputs you provide and do not constitute financial, investment, legal, or tax advice. Fin Tools Lab is not a financial advisor. We recommend consulting with a qualified professional before making any financial decisions. Market conditions, inflation, taxes, and fees are not factored into this simplified model and can affect actual returns. Fin Tools Lab is not liable for any actions taken based on the information provided by this tool.
9. Exclusions
Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.
10. Governing Law
These Terms shall be governed and construed in accordance with the laws of India, with specific jurisdiction in Bangalore, Karnataka, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.
11. Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will endeavor to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
12. User Conduct
You agree not to use the Service for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Service in any way that could damage the Service, the business of Fin Tools Lab, or any third party. You further agree not to use and/or access the Service: (a) To harass, abuse, or threaten others or otherwise violate any person's legal rights; (b) To violate any intellectual property rights of Fin Tools Lab or any third party; (c) To upload or otherwise disseminate any computer viruses or other software that may damage the property of another; (d) To perpetrate any fraud; (e) To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme; (f) To publish or distribute any obscene or defamatory material; (g) To publish or distribute any material that incites violence, hate, or discrimination towards any group; (h) To unlawfully gather information about others.
13. Contact Us
If you have any questions about these Terms, please contact us:
Fin Tools Lab
#20/3, JP Nagar
Bangalore, Karnataka, 560078
India
Email: terms@fintoolslab.com
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