Terms of Service

1. Acceptance of Terms

By accessing or using Toolvexa, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

2. Description of Service

Toolvexa provides free online SIP (Systematic Investment Plan) calculators and financial planning tools. Our services include but are not limited to:

• SIP Returns Calculator
• Step-Up SIP Calculator
• Goal-Based SIP Planner
• Inflation-Adjusted SIP Calculator
• Retirement Planning Tools
• SIP Comparison Tools
• And other financial calculators

All calculations are performed client-side in your browser for privacy and speed.

3. User Responsibilities

As a user of Toolvexa, you agree to:

• Use the calculators for lawful purposes only
• Provide accurate information for calculations
• Not attempt to interfere with or disrupt our services
• Not use automated systems to access our website excessively
• Not copy, reproduce, or redistribute our code without permission
• Understand that results are projections, not guarantees
• Consult qualified financial advisors for investment decisions

4. No Financial Advice

Important: Toolvexa provides calculators and tools for educational and planning purposes only. We do NOT provide:

• Financial advice or recommendations
• Investment guidance
• Tax planning services
• Legal counsel
• Personalized financial planning

Always consult with qualified financial advisors, tax professionals, and legal experts before making investment decisions. Past performance and projections do not guarantee future results.

5. Accuracy of Calculations

While we strive for accuracy in all our calculators:

• Calculations are based on standard financial formulas
• Results are projections based on input assumptions
• Actual investment returns may vary significantly
• We do not guarantee the accuracy of results
• Users should verify important calculations independently

Market conditions, fees, taxes, and other factors can significantly affect actual returns.

6. Intellectual Property

All content on Toolvexa, including but not limited to:

• Website design and layout
• Calculator code and algorithms
• Text, graphics, and images
• Logos and trademarks
• Documentation and tutorials

...are owned by or licensed to Toolvexa and protected by copyright, trademark, and other intellectual property laws. Unauthorized use is prohibited.

7. Limitation of Liability

To the maximum extent permitted by law:

• Toolvexa is provided "as is" without warranties of any kind
• We are not liable for any investment losses or financial decisions
• We are not responsible for errors in calculations or projections
• We are not liable for website downtime or technical issues
• We are not responsible for third-party content or links
• Our total liability shall not exceed the amount you paid us (which is zero)

8. Service Availability

We strive to keep Toolvexa available 24/7, but we do not guarantee:

• Uninterrupted access to our services
• Error-free operation
• That defects will be corrected promptly
• That the website is free from viruses or harmful components

We reserve the right to modify, suspend, or discontinue any part of our service at any time without notice.

9. Third-Party Links

Our website may contain links to third-party websites or services. These links are provided for convenience only. We:

• Do not endorse or control third-party websites
• Are not responsible for their content or privacy practices
• Recommend reviewing their terms and privacy policies

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Continued use of our services after changes constitutes acceptance of the modified terms.

We encourage you to review these terms periodically.

11. Termination

We reserve the right to:

• Terminate or suspend access to our services
• Block users who violate these terms
• Remove content that violates our policies
• Take legal action against violators

All without prior notice or liability.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved in appropriate courts, and you consent to their jurisdiction.

13. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Contact Information

For questions about these Terms of Service, please contact us:

• Email: contact@toolvexa.com
• Contact Page: Contact Form