⚖️ Terms of Use

1. Acceptance of Terms

By accessing and using this website ("OhCalc"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this service.

2. Description of Service

OhCalc provides free educational financial calculators including:

• Mortgage vs Investment Calculator
• Rent vs Buy Calculator
• Mortgage Payment Calculator
• State-specific financial calculations

These tools are for educational and informational purposes only.

3. Not Financial Advice Disclaimer

This is the most important section - please read carefully:

1. Educational Purpose Only: Our calculators are designed to help you understand financial concepts and explore different scenarios. They are not personalized financial advice.
2. No Professional Relationship: Using our calculators does not create a financial advisor-client relationship, attorney-client relationship, or any other professional relationship.
3. Consult Professionals: Always consult with qualified financial advisors, tax professionals, attorneys, and other experts before making financial decisions.
4. Your Responsibility: You are solely responsible for your financial decisions. We are not responsible for any losses or damages resulting from your use of our calculators.
5. Market Conditions Vary: Financial markets, tax laws, and regulations change constantly. Our calculators use general assumptions that may not reflect current conditions.

4. Intellectual Property Rights

All content, features, and functionality on this website are owned by OhCalc and are protected by copyright, trademark, and other intellectual property laws:

1. Calculator Logic: The mathematical formulas, algorithms, and calculation methods are our intellectual property.
2. Content: All text, graphics, logos, images, and software are protected by copyright.
3. Trademarks: All trademarks, service marks, and trade names are proprietary.
4. Permitted Use: You may use our calculators for personal, non-commercial purposes only.
5. Prohibited Use: You may not copy, reproduce, distribute, or create derivative works without written permission.

5. User Conduct and Acceptable Use

You agree to use our website responsibly:

1. Lawful Use: Use the website only for lawful purposes and in accordance with these terms.
2. No Interference: Do not attempt to interfere with the website's operation or security.
3. No Reverse Engineering: Do not attempt to reverse engineer, decompile, or disassemble our calculators.
4. Accurate Information: Provide accurate information when using calculators for meaningful results.
5. No Commercial Use: Do not use our calculators for commercial purposes without permission.

6. Disclaimers and Limitations of Liability

Please read this section carefully as it limits our liability:

1. No Warranties: We provide our calculators "as is" without warranties of any kind, express or implied.
2. Accuracy: While we strive for accuracy, we do not guarantee that calculations are error-free or complete.
3. No Liability: We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our website.
4. Financial Decisions: We are not responsible for any financial losses resulting from decisions made based on our calculators.
5. Third-Party Content: We are not responsible for the accuracy or reliability of any third-party information.
6. Maximum Liability: Our total liability to you for all claims shall not exceed $100.

7. Privacy and Data Protection

Your privacy is important to us:

1. Privacy-First Design: Our calculators work entirely in your browser with no data collection.
2. No Personal Data: We do not collect, store, or process your personal or financial information.
3. Privacy Policy: Please review our Privacy Policy for complete details.
4. Security: We implement reasonable security measures to protect our website.

8. Sponsored Content and Advertising

Our website may include sponsored content:

1. Professional Services: We may promote qualified financial professionals, tax advisors, and real estate experts.
2. Clear Disclosure: All sponsored content is clearly marked as "Sponsored" or "Advertisement."
3. No Endorsement: Inclusion of sponsored content does not constitute our endorsement.
4. Your Decision: You are responsible for evaluating any professional services or products.
5. Revenue: Sponsored content helps us provide free calculators to users.

9. Indemnification

You agree to indemnify and hold harmless OhCalc, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including attorney's fees) arising from:

1. Your use of our website
2. Your violation of these terms
3. Your violation of any rights of another party
4. Any financial decisions you make based on our calculators

10. Governing Law and Jurisdiction

These terms shall be governed by and construed in accordance with the laws of the United States and the state where our business is incorporated, without regard to conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

11. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on this website. Your continued use of the website after changes constitutes acceptance of the new terms. We encourage you to review these terms periodically.

12. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely matches the intent of the original.

13. Contact Information

If you have questions about these terms, please contact us. However, remember that we cannot provide financial, legal, or tax advice - only our qualified sponsors can provide such professional guidance.