Terms of Use

By accessing or using this tool, you agree to the following terms. If you do not agree, do not use the tool.

• Personal Use Only: Provided solely for personal, non‑commercial use. Not for advisory, professional financial planning, or enterprise purposes.
• No Warranty: Provided “as‑is” and “as‑available” without warranties of any kind, express or implied, including merchantability or fitness for a particular purpose.
• Limitation of Liability: To the maximum extent permitted by law, total liability is capped at $0 for free personal tools. You bear all risks arising from use.
• Indemnification: You agree to hold the operator harmless from claims, losses, or damages arising out of your use of the tool or reliance on its outputs.
• Modification & Discontinuation: Features, content, and availability may change or cease at any time without notice.

These terms may be updated periodically. Continued use constitutes acceptance of the then‑current terms.