Terms of Service

Welcome to CrunchWise. By accessing or using crunchwise.org (the "Site"), you agree to be bound by these Terms of Service ("Terms"). Please read them carefully. If you do not agree to these Terms, please do not use the Site.

1. Use of the Site

CrunchWise provides free online calculators and tools for personal finance, home improvement, and everyday math. You may use the Site for personal, non-commercial purposes. You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or its servers
• Scrape or systematically download content without permission
• Reproduce or republish Site content without attribution

2. Disclaimer of Warranties - Informational Purposes Only

All calculators, tools, and results provided on CrunchWise are for informational and educational purposes only. They are not intended to constitute financial, legal, tax, investment, accounting, or other professional advice.

While we strive for accuracy, we make no representations or warranties of any kind, express or implied, regarding:

• The accuracy, completeness, or reliability of any calculation or result
• The suitability of any calculator for your specific circumstances
• The fitness of the Site for any particular purpose

Results should not be used as the sole basis for any financial decision. Always consult a qualified financial advisor, accountant, attorney, or other licensed professional before making financial or legal decisions.

3. No Warranty

THE SITE AND ALL CONTENT, CALCULATORS, AND TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice.

4. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CRUNCHWISE AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING ANY RELIANCE ON CALCULATION RESULTS.

Our total liability to you for any claim arising from use of the Site shall not exceed $0, as the Site is provided free of charge.

5. Third-Party Links and Content

The Site may contain links to third-party websites. These links are provided for convenience only. We have no control over third-party sites and are not responsible for their content, privacy practices, or terms. Visiting third-party sites is at your own risk.

6. Advertising

The Site may display third-party advertisements. These advertisements are provided by third-party advertising networks. We are not responsible for the content of third-party advertisements or the products or services they promote.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and code, is the property of CrunchWise or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Changes to Terms

We may update these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by the laws of the applicable jurisdiction. Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration or in the courts of the applicable jurisdiction.

11. Contact

Questions about these Terms? Contact us at: legal@crunchwise.org (placeholder - update with actual contact information).