Terms of Service

Last updated: December 2024

1. Acceptance of Terms

By accessing and using LifeTools Hub ("we," "our," or "the website"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Service

LifeTools Hub provides free online calculators for various purposes including but not limited to:

  • Health and fitness calculations (BMI, age, life statistics)
  • Financial calculations (loans, mortgages, retirement, savings, compound interest)
  • Mathematical calculations (percentages, discounts)
  • Conversion tools (currency, time units)
  • Educational tools (GPA calculator)
  • Lifestyle calculators (tips, fuel consumption, date differences)

3. Use of Calculators

3.1 Informational Purpose

All calculators provided on LifeTools Hub are for informational and educational purposes only. Results are estimates and should not be considered as professional advice.

3.2 No Professional Advice

The calculators do not provide:

  • Financial, investment, or tax advice
  • Medical or health advice
  • Legal counsel
  • Professional consultation in any field

3.3 User Responsibility

Users are solely responsible for:

  • The accuracy of data entered into calculators
  • Decisions made based on calculator results
  • Consulting with qualified professionals before making important decisions
  • Verifying results independently

4. Accuracy and Limitations

4.1 No Warranty of Accuracy

While we strive for accuracy, LifeTools Hub does not guarantee that:

  • Calculator results are 100% accurate
  • Results are suitable for your specific situation
  • The website will be error-free or uninterrupted
  • All bugs or errors will be corrected

4.2 Calculation Methodology

Our calculators use standard formulas and assumptions. Results may vary based on:

  • Input data quality
  • Rounding and approximations
  • Regional differences in calculation methods
  • Market fluctuations (for financial tools)

5. Intellectual Property

5.1 Website Content

All content on LifeTools Hub, including but not limited to text, graphics, logos, calculator algorithms, and software, is the property of LifeTools Hub and is protected by copyright and intellectual property laws.

5.2 Restrictions

You may not:

  • Copy, reproduce, or distribute website content without permission
  • Modify or create derivative works
  • Use automated tools to scrape or extract data
  • Reverse engineer calculator algorithms
  • Remove copyright or proprietary notices

5.3 Permitted Use

You may:

  • Use calculators for personal, non-commercial purposes
  • Share links to our website
  • Print results for personal reference

6. User Conduct

Users agree to:

  • Use the website lawfully and ethically
  • Not attempt to hack, disrupt, or damage the website
  • Not upload malicious code or viruses
  • Not impersonate others or provide false information
  • Not engage in spam or unauthorized advertising
  • Respect other users and the website operators

7. Limitation of Liability

7.1 No Liability for Results

LifeTools Hub is not responsible for:

  • Any decisions made based on calculator results
  • Financial losses resulting from calculator use
  • Incorrect or inaccurate calculations
  • Misinterpretation of results

7.2 Maximum Liability

To the fullest extent permitted by law, our maximum liability for any claims related to the website shall not exceed $100 USD or the amount you paid to use our services (which is typically zero for free services).

8. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for:

  • Content on external websites
  • Privacy practices of third parties
  • Accuracy of external information
  • Products or services offered by third parties

9. Modifications to Service

LifeTools Hub reserves the right to:

  • Modify, suspend, or discontinue any calculator or feature at any time
  • Update calculation methods or formulas
  • Change website design or functionality
  • Restrict access to certain features

We will make reasonable efforts to notify users of significant changes.

10. Termination

We reserve the right to terminate or restrict your access to the website at our discretion, without notice, for:

  • Violation of these Terms of Service
  • Abusive or harmful behavior
  • Unauthorized use of services
  • Any reason we deem necessary

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved in the appropriate courts.

12. Indemnification

You agree to indemnify and hold harmless LifeTools Hub, its operators, and affiliates from any claims, damages, losses, or expenses arising from:

  • Your use of the website
  • Violation of these terms
  • Infringement of rights of others

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. Entire Agreement

These Terms of Service, along with our Privacy Policy and Disclaimer, constitute the entire agreement between you and LifeTools Hub regarding use of the website.

15. Changes to Terms

We reserve the right to update these Terms of Service at any time. Significant changes will be posted on the website with an updated "Last updated" date. Continued use of the website after changes indicates acceptance of the new terms.

16. Contact Information

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

17. Acknowledgment

By using LifeTools Hub, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.