These Terms of Service ("Terms") govern your use of myfincalc.org (the "Site") operated by MyFinCalc ("we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Description of service
MyFinCalc provides free, web-based financial calculators and educational articles related to personal finance topics including (but not limited to) salary tax calculation, retirement planning, investment growth, debt repayment, and home affordability. The Site is provided as a free, advertising-supported service.
2. Educational use only — not financial advice
All content on this Site, including the calculators, articles, examples, and any other materials, is provided strictly for educational and informational purposes. Nothing on the Site constitutes:
- Personalised financial, investment, tax, legal, or accounting advice
- An offer or solicitation to buy or sell any security or financial product
- A recommendation that any particular investment, strategy, or course of action is suitable for any specific person
You should not act on any information from this Site without consulting a qualified, licensed professional in your jurisdiction. See our Disclaimer for further detail.
3. Accuracy of calculations
The calculators use published formulas and tax tables that we believe to be accurate at the time of publication. However:
- Tax laws, interest rates, and economic conditions change frequently
- Calculator results are estimates based on simplified assumptions
- Real-world outcomes will differ from calculated projections
- We cannot guarantee that all data is current at any given moment
You are solely responsible for verifying any calculation against current data and your specific circumstances before making financial decisions.
4. Permitted use
You may use the Site for lawful, personal, non-commercial purposes. You may share links to our calculators and articles. You may not:
- Scrape, copy, or republish substantial portions of our content without written permission
- Reverse-engineer or extract calculator code for use in competing products
- Use automated systems (bots, crawlers, etc.) to access the Site in ways that impair its operation
- Attempt to interfere with, compromise, or disrupt the Site or its security
- Use the Site to violate any applicable law or regulation
5. Intellectual property
All content on the Site — including text, graphics, logos, calculator code, and design elements — is the property of MyFinCalc or its licensors and is protected by copyright and other intellectual property laws. The MyFinCalc name and logo are trademarks of MyFinCalc.
You may quote short excerpts from articles for non-commercial purposes (such as journalism, education, or commentary) with proper attribution and a link back to the original page. For any other reuse, please contact us first.
6. Third-party links and affiliate relationships
The Site may contain links to third-party websites (banks, brokerages, financial product providers, etc.). Some of these links may be affiliate links, meaning we may receive a commission if you sign up for a product through them, at no additional cost to you. Affiliate relationships are disclosed in the relevant article.
We are not responsible for the content, privacy practices, or services of third-party websites. Following an affiliate link does not change the terms of the third party's offer to you.
7. Advertising
The Site displays advertisements through Google AdSense. We do not control which specific ads are shown and do not endorse any advertised product or service. Use of advertising on the Site is governed by Google's policies. See our Privacy Policy for details on AdSense data practices.
8. Disclaimer of warranties
The Site is provided "as is" and "as available", without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of results. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
9. Limitation of liability
To the maximum extent permitted by applicable law, MyFinCalc and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site, including but not limited to:
- Financial losses resulting from decisions made based on calculator results or article content
- Errors or omissions in any content
- Service interruptions or data loss
- Actions taken or not taken in reliance on the Site
If applicable law does not allow the exclusion of certain warranties or limitation of liability, our liability shall be limited to the maximum extent permitted by law.
10. Indemnification
You agree to indemnify and hold harmless MyFinCalc and its operators from any claims, damages, losses, or expenses arising from your use of the Site, your violation of these Terms, or your violation of any third-party right.
11. Modifications to the Site or these Terms
We may modify, suspend, or discontinue any aspect of the Site at any time without notice. We may also revise these Terms from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page. Continued use of the Site after changes constitutes acceptance of the revised Terms.
12. Governing law
These Terms are governed by the laws of New Zealand, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of New Zealand, except where applicable consumer protection law in your jurisdiction provides otherwise.
13. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
14. Contact
Questions about these Terms? Reach us through our contact page at hello@myfincalc.org.