Terms of Use

1. What IQlator provides

IQlator provides free calculation tools and educational information for general informational and planning purposes. Calculator outputs are estimates based on user-entered values, formulas, assumptions and, for some features, third-party data.

2. No professional advice or financial-product offer

IQlator does not provide individualized financial, investment, tax, accounting, legal, insurance or lending advice. Use of the site does not create a professional, fiduciary, lender-borrower or advisory relationship. A calculator result is not a quote, offer, approval, credit decision, investment recommendation or guarantee.

3. Your responsibility for inputs and decisions

You are responsible for the accuracy of information you enter and for determining whether a calculator's assumptions fit your circumstances. Verify important figures with relevant providers, official documents or qualified professionals before making financial, contractual or other significant decisions.

4. Acceptable use

You may use IQlator for lawful personal, educational and reasonable internal business purposes. You may not misuse the site, attempt unauthorized access, interfere with security or availability, send malicious code, use automated traffic that unreasonably burdens the service, or systematically copy, scrape, republish, resell or redistribute substantial portions of IQlator without permission.

5. Intellectual property

Except where otherwise stated, IQlator's branding, original written content, site design, graphics, calculator interfaces and original software are owned by or licensed to IQlator and may be protected by intellectual-property laws. These Terms do not transfer ownership of IQlator content or technology to you. Mathematical formulas, public facts and third-party materials remain subject to their applicable rights and status.

6. Feedback and support submissions

If you voluntarily send feedback, suggestions, corrections or other non-confidential ideas, you represent that you have the right to provide them. IQlator may use such feedback to operate, correct or improve the service without an obligation to compensate you. Personal information submitted through support features is handled as described in the Privacy Policy.

7. Advertising, affiliate links and third parties

IQlator may display third-party advertising and may in the future include affiliate, referral or sponsored links with appropriate disclosures. Advertising or a link does not by itself constitute an endorsement, recommendation or guarantee. Third-party products, rates, terms, content, availability, privacy practices and services are controlled by those third parties.

8. Third-party and public data

Some features may use economic, market, mortgage-rate, stock-price, currency or other data from third-party or public sources. Such data can be delayed, revised, interrupted or inaccurate. IQlator may change data sources when necessary and does not guarantee continuous availability of any external feed.

9. Service changes and availability

IQlator may add, modify, suspend or discontinue calculators, formulas, content, data sources, navigation, support features, advertising or other parts of the site. We do not guarantee uninterrupted access or that every feature will remain available.

10. Disclaimer of warranties

To the fullest extent permitted by applicable law, IQlator and its services are provided on an “as is” and “as available” basis without warranties that the site, calculations, data or content will always be accurate, complete, current, secure, uninterrupted, error-free or suitable for a particular purpose.

11. Limitation of liability

To the fullest extent permitted by applicable law, IQlator and its operators, contributors and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising from use of or reliance on the site, calculator results, external data or third-party services. Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

12. Privacy

Your use of IQlator is also subject to the Privacy Policy, which explains how information may be handled in connection with the site, support requests, advertising and third-party services.

13. Financial disclaimer

Additional limitations relating to financial calculators, loans, mortgages, investments, market information and exchange-rate data are described in the Financial & General Disclaimer.

14. Changes to these Terms

IQlator may update these Terms as the website, features, business model or applicable requirements change. The “Last updated” date identifies the current version. Continued use after revised Terms are posted constitutes acceptance to the extent permitted by applicable law.

15. Severability and mandatory rights

If a provision of these Terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law. Nothing in these Terms is intended to waive mandatory consumer rights or other rights that cannot lawfully be waived.

16. Contact

Questions about these Terms can be sent through the Contact page or to support@iqlator.com.