1 Acceptance of Terms

By accessing or using FinanceKit Pro at financekit.tech (the "Website"), you agree to be bound by these Terms of Service ("Terms") in full. If you do not agree with any part of these Terms, you must discontinue use of the Website immediately.

These Terms apply to all visitors, users, and others who access or use the Service — whether you are located in the United States, United Kingdom, Canada, Australia, Germany, UAE, India, Pakistan, or anywhere else in the world.

You represent that you are at least 13 years of age (or the applicable minimum age in your jurisdiction) and have the legal capacity to enter into this agreement. If you are using this Website on behalf of a business or organisation, you represent that you have the authority to bind that entity to these Terms.

2 Service Description

FinanceKit Pro is a free, browser-based financial tools platform that provides:

• Financial Calculators: EMI calculator, home loan calculator, personal loan calculator, compound interest calculator, SIP calculator, FD calculator, salary calculator, GST calculator, tax calculator, retirement planner, inflation calculator and more.
• Live Market Data: Real-time cryptocurrency prices (via CoinGecko API), live currency exchange rates (via open.er-api.com), live gold and oil prices, Fear & Greed Index, and economic calendar events.
• Health Tools: BMI calculator, calorie calculator, BMR calculator, body fat percentage calculator, ideal weight calculator, pregnancy calculator, due date calculator, and water intake calculator.
• Converter Tools: Currency converter (170+ currencies), crypto converter, number-to-words converter (English, Urdu, Hindi, Arabic), unit converters, and more.
• Educational Content: Blog posts, guides, and informational articles on personal finance, cryptocurrency, investing, and health topics.

The Service is provided free of charge, without the need for any account registration, subscription, or payment. FinanceKit Pro reserves the right to modify, suspend, or discontinue any aspect of the Service at any time without prior notice.

3 No Financial, Legal, or Medical Advice

All calculator outputs — including EMI figures, loan amortisation schedules, investment projections, retirement estimates, tax calculations, health metrics, and any other results — are for informational and educational purposes only. They are based on the inputs you provide and standard mathematical formulas.

Before making any financial decision — including taking a loan, making an investment, purchasing insurance, filing taxes, or planning retirement — you should consult a qualified financial advisor, certified public accountant, licensed insurance broker, or other appropriate professional in your jurisdiction.

Similarly, health calculator results (BMI, BMR, calorie needs, ideal weight) are estimates based on population-level formulas and do not account for individual medical conditions. Always consult a qualified healthcare professional before making health or dietary decisions.

FinanceKit Pro, its owners, directors, employees, contractors, and affiliates shall not be liable for any financial loss, investment loss, tax penalty, health consequence, or other damage arising from reliance on any information or calculation result provided by this Website.

4 Data Accuracy & Live Market Prices

FinanceKit Pro displays live data sourced from third-party APIs. While we strive for accuracy, you should be aware of the following limitations:

• Cryptocurrency Prices: Sourced from the CoinGecko free API. Data is cached for up to 5 minutes. Live prices may differ from those on your exchange due to caching delays, spread, and market fragmentation.
• Currency Exchange Rates: Sourced from open.er-api.com. Rates are cached for up to 60 minutes. These are mid-market rates and will differ from bank exchange rates or money transfer rates, which include fees and margins.
• Gold, Silver & Oil Prices: Commodity prices are sourced from available free APIs and may be delayed. These are not to be used for trading or investment decisions.
• Fear & Greed Index: Sourced from alternative.me API. Cached for up to 1 hour.
• Economic Calendar: Event data may be delayed or incomplete. Always verify with your broker or official central bank sources before trading.

We do not guarantee that any data displayed on FinanceKit Pro is real-time, complete, accurate, or suitable for trading or investment purposes. Past performance of any asset discussed or displayed on this Website is not indicative of future results.

5 Intellectual Property

All content on FinanceKit Pro — including but not limited to the website design, layout, user interface, CSS styles, JavaScript code, calculator logic, written content, icons, and branding — is the intellectual property of FinanceKit Pro and is protected by applicable copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for personal, non-commercial purposes in accordance with these Terms.

You may not:

• Copy, reproduce, distribute, or publicly display any substantial portion of the Website's content without prior written permission.
• Frame, embed, or scrape the Website or any of its tools on a third-party website or application.
• Reverse-engineer, decompile, or attempt to extract the source code of any software used to deliver the Service.
• Use any automated means (bots, scrapers, crawlers) to access the Website in a manner that imposes an unreasonable load on our infrastructure.
• Remove any copyright, trademark, or other proprietary notices from the Website or its content.

Third-party data displayed on this Website (cryptocurrency prices, currency rates, economic events) remains the intellectual property of its respective providers. FinanceKit Pro displays this data under the terms of free API licences and does not claim ownership of such data.

6 Acceptable Use Policy

You agree to use FinanceKit Pro only for lawful purposes and in accordance with these Terms. You agree not to use the Website:

• In any way that violates applicable local, national, or international laws or regulations in the United States, United Kingdom, European Union, Australia, Canada, or any other jurisdiction.
• To transmit any unsolicited or unauthorised advertising or promotional material, spam, or any other form of solicitation.
• To impersonate FinanceKit Pro, its staff, or any other person or entity.
• To engage in any conduct that restricts or inhibits other users' enjoyment of the Website.
• To introduce viruses, trojans, worms, or other malicious code that may harm the Website's infrastructure or its users.
• To attempt to gain unauthorised access to any part of the Website, its server, or any database connected to it.
• To use the Website to make financial, investment, trading, or betting decisions without independent professional verification.

FinanceKit Pro reserves the right to block access for any IP address or user agent that violates these provisions.

7 Privacy & Data Collection

FinanceKit Pro is committed to your privacy. We do not require you to create an account, and we do not intentionally collect personally identifiable information (PII) such as your name, email address, or payment details.

The following data is stored locally in your browser only:

• Currency preference (e.g., USD, GBP, AUD) — stored in localStorage so your preferred currency persists across sessions. This data never leaves your device.
• Theme preference (dark/light mode) — stored in localStorage. Never transmitted externally.
• API response caches (crypto prices, currency rates, Fear & Greed) — cached in localStorage to improve performance and reduce API calls. Automatically expires.

Third-party services that may collect data:

• Google Analytics (GA4): Anonymous usage statistics including page views, session duration, device type, and general geographic region. No personally identifiable data. Google's Privacy Policy →
• Google AdSense: May use cookies to show personalised ads. You can opt out via Google Ad Settings →

For full details, please read our Privacy Policy.

8 Advertising (Google AdSense)

FinanceKit Pro is free to use and supported by advertising revenue from Google AdSense. By using this Website, you acknowledge that:

• Google AdSense may display contextual and personalised advertisements on pages of this Website.
• Ads are served by Google LLC and are subject to Google's advertising policies and privacy terms.
• FinanceKit Pro does not control the content of individual advertisements displayed.
• Clicking on third-party advertisements will take you to external websites over which FinanceKit Pro has no control or responsibility.

If you wish to opt out of personalised advertising, you may do so via Google Ad Settings or by using an ad blocker. Note that disabling ads may affect the quality or availability of the free Service.

9 Third-Party APIs & External Links

FinanceKit Pro relies on the following third-party data APIs to deliver live market data:

• CoinGecko API — Cryptocurrency prices, market cap, and trading volume. Free tier, rate-limited. CoinGecko API Terms →
• open.er-api.com — Foreign exchange rates. Free tier. Results are mid-market rates only.
• alternative.me — Crypto Fear & Greed Index. Free public API.
• Finnhub.io — Economic calendar events (when API key is configured). Free tier.

FinanceKit Pro is not responsible for any interruptions in third-party API services, inaccurate data returned by these APIs, or changes to their terms of service. We do not guarantee uninterrupted access to live data features.

This Website may contain links to third-party websites (news outlets, research papers, financial providers). These links are provided for convenience only. FinanceKit Pro does not endorse, recommend, or take responsibility for the content, accuracy, or privacy practices of any third-party websites. Visiting external links is at your own risk.

10 Disclaimer of Warranties

To the fullest extent permitted by applicable law, FinanceKit Pro disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Any warranty that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
• Any warranty regarding the accuracy, completeness, reliability, or timeliness of any content, data, or results provided by the Website.
• Any warranty that defects in the Website will be corrected.

This disclaimer applies to all jurisdictions including the United States (including US state-level consumer protection laws), United Kingdom, Australia (Australian Consumer Law), Canada, European Union member states, and all other jurisdictions where FinanceKit Pro is accessed.

11 Limitation of Liability

To the maximum extent permitted by applicable law, FinanceKit Pro, its owners, operators, directors, employees, agents, and affiliates shall not be liable for any:

• Direct, indirect, incidental, punitive, or consequential damages arising out of your use or inability to use the Website.
• Financial losses, investment losses, business losses, or loss of profits resulting from reliance on any calculator result, market data, or informational content on the Website.
• Loss of data, unauthorised access to your data, or interruption in service.
• Actions taken or not taken based on information obtained from this Website or any linked third-party website.

In jurisdictions that do not allow the exclusion or limitation of incidental or consequential damages, the liability of FinanceKit Pro shall be limited to the greatest extent permitted by law.

12 Indemnification

You agree to defend, indemnify, and hold harmless FinanceKit Pro and its owners, operators, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of and access to the Website.
• Your violation of any term in these Terms of Service.
• Your violation of any third-party rights, including intellectual property or privacy rights.
• Any financial decision made in reliance on information or results from this Website without independent professional verification.

13 Changes to These Terms

FinanceKit Pro reserves the right to modify these Terms of Service at any time. When we make changes, we will update the "Last Updated" date at the top of this page. For significant changes, we may also display a notice on the Website's homepage.

Your continued use of FinanceKit Pro after any modifications to the Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Website.

We encourage you to review this page periodically to stay informed of any changes. The most current version of these Terms will always be available at financekit.tech/terms.html.

14 Governing Law & Jurisdiction

These Terms of Service shall be governed by and construed in accordance with applicable laws. As FinanceKit Pro serves a global audience, we acknowledge the following jurisdiction-specific considerations:

• Users in the United States: These Terms are governed by applicable US federal law. State-specific consumer protection laws may apply.
• Users in the United Kingdom: These Terms are subject to the laws of England and Wales. Nothing in these Terms affects your statutory rights as a UK consumer.
• Users in Australia: Australian Consumer Law (ACL) applies. Nothing in these Terms limits your statutory rights under the Australian Consumer Law.
• Users in the European Union: EU consumer protection regulations, including the Digital Services Act and GDPR, apply to data processing activities. Our Privacy Policy details GDPR compliance.
• Users in Canada: Canadian federal and provincial consumer protection laws apply.

In the event of any dispute arising from these Terms or your use of FinanceKit Pro, we encourage you to first contact us at support@financekit.tech so that we may attempt to resolve the matter informally.

15 Contact Us

If you have any questions, concerns, or feedback regarding these Terms of Service, or if you need to report a data issue, calculation error, or copyright concern, please contact us: