Terms of Service

1. Acceptance of Terms

By accessing or using FinProjection (“the Application”), available at finprojection.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Application.

2. Description of Service

FinProjection is a free, browser-based financial planning and projection tool. It allows users to input financial data and generate projections for personal planning purposes. The Application runs entirely in your browser and does not require account registration.

3. No Financial Advice

The Application is provided for informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. Projections and calculations are estimates based on the data you provide and simplifying assumptions.

• We are not financial advisors, planners, or licensed professionals
• Results should not be the sole basis for any financial decision
• Always consult a qualified professional for personalized financial advice
• Past performance and projections do not guarantee future results

4. No Warranty

The Application is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to:

• Accuracy, completeness, or reliability of calculations
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Security of data stored in your browser

5. User Responsibilities

As a user of the Application, you are responsible for:

• The accuracy of data you enter into the Application
• Backing up your data using the export feature if desired
• Understanding that clearing browser data will permanently delete your data
• Using the Application in compliance with applicable laws and regulations

6. Data & Privacy

All financial data is stored locally in your browser. We do not collect, transmit, or store your financial information on any server. For more details, please review our Privacy Policy.

7. Limitation of Liability

To the fullest extent permitted by law, FinProjection and its creators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Application
• Any errors or inaccuracies in calculations or projections
• Loss of data stored in your browser
• Financial decisions made based on the Application's output
• Any unauthorized access to your locally stored data

8. Intellectual Property

The Application's design, code, and content are protected by applicable intellectual property laws. You may use the Application for personal, non-commercial purposes. You may not reverse-engineer, modify, or redistribute the Application without permission.

9. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Application at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Application.

10. Changes to Terms

We may revise these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Application after changes constitutes acceptance of the revised terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

12. Contact

If you have questions about these Terms of Service, please open an issue on our project repository or reach out through the application's feedback channels.