Terms of Service | F0X (F-Zero-X) Finance

1. Acceptance of Terms

By accessing and using F0X (F-Zero-X) Finance ("the Service", "our website", or "the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

F0X (F-Zero-X) Finance provides free financial calculators and educational resources for users across 66 countries. Our calculators include, but are not limited to:

Mortgage and loan calculators
Tax calculators
Investment and retirement calculators
Savings and budget calculators
Business finance calculators

3. No Financial Advice

IMPORTANT DISCLAIMER

F0X (F-Zero-X) Finance provides calculators and educational tools only. We do not provide financial, investment, tax, or legal advice. The results from our calculators are for informational purposes only and should not be considered professional advice. Always consult with qualified professionals before making financial decisions.

4. Accuracy and Limitations

While we strive to ensure the accuracy of our calculators and data:

Calculator results are estimates and may not reflect actual outcomes
Tax laws, interest rates, and financial regulations change frequently
We cannot guarantee the accuracy, completeness, or timeliness of information
Regional variations may affect calculation accuracy
User input errors can affect results

5. User Responsibilities

When using our Service, you agree to:

Use the calculators for lawful purposes only
Verify all calculation results independently
Not attempt to compromise the security of our website
Not use automated systems to access the Service excessively
Not reproduce, duplicate, or copy any part of the Service for commercial purposes without permission
Consult with qualified professionals before making financial decisions

6. Intellectual Property

All content on F0X (F-Zero-X) Finance, including but not limited to text, graphics, logos, calculator algorithms, and software, is the property of F0X (F-Zero-X) Finance or its content suppliers and is protected by international copyright laws.

You may use our calculators for personal, non-commercial purposes. Any other use requires our prior written consent.

7. Data Sources and Transparency

We source our data from official government agencies, central banks, and reputable financial institutions. Data sources are cited on relevant calculator pages. However, we cannot guarantee that third-party data is always current or accurate.

8. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by F0X (F-Zero-X) Finance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, F0X (F-ZERO-X) FINANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

Your use or inability to use the Service
Any reliance on calculator results or information provided
Financial decisions made based on our calculators
Errors, inaccuracies, or omissions in our content
Unauthorized access to or alteration of your data

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11. Indemnification

You agree to indemnify, defend, and hold harmless F0X (F-Zero-X) Finance, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.

12. Advertising

We display third-party advertisements (including Google AdSense) to support our free service. We do not endorse any products or services advertised on our site.

13. Service Availability

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

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law provisions.

15. Dispute Resolution

Any dispute arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that you may assert claims in small claims court if your claims qualify.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by updating the "Last Updated" date. Your continued use of the Service after such changes constitutes acceptance of the modified Terms.

18. Contact Information

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

Email: legal@f0x.ai
Website: https://f0x.ai/contact

By using F0X (F-Zero-X) Finance, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.