Terms of Use

By using ToolFactory, you agree to use its calculators as general educational utilities and to verify important results independently. The site does not create a professional-client relationship, execute transactions, store your calculator inputs, or guarantee that a formula fits your personal, contractual, regulatory, or medical circumstances.

Permitted use

You may use the public calculators for personal, educational, and ordinary business planning. Do not interfere with site operation, attempt unauthorized access, misrepresent our content as professional advice, or use automated requests in a way that degrades availability. Formulas and brief results may be cited with attribution and a link; substantial copying of page text or design is not permitted without written permission.

Accuracy and availability

We test known-answer cases and publish formulas, but software, copy, sources, and assumptions can still contain errors. You are responsible for checking inputs, units, inclusivity conventions, market mechanics, medical relevance, device compatibility, and any official rules that affect a decision. The site is provided as available and may change, move, or be withdrawn without notice.

Third-party services

Citations and affiliate links may lead to independent websites. We do not control their content, prices, coverage, data practices, or availability. A commission may be earned from qualifying affiliate purchases, but that does not make the merchant's claim ours. Review the third party's own terms and privacy policy before transacting.

Liability and governing text

To the maximum extent allowed by applicable law, ToolFactory and its contributors are not liable for losses arising from reliance on a calculator, interruption, third-party service, or misuse of the site. Nothing here excludes liability that cannot legally be excluded. The separate finance and health disclaimer forms part of these terms. If a provision is unenforceable, the remaining provisions continue.