Terms of Use

These terms govern your use of Toolhub (the "Service") at tool-hub.me and its tools. By using the Service you agree to these terms. If you do not agree, please do not use the Service. We may update these terms from time to time; the effective date above shows when they were last changed, and continued use after a change means you accept the updated terms.

1. Free to use

The Service is provided free of charge for personal and general business use. You may use the tools as often as you like without creating an account. You may not resell the Service, present it as your own, or attempt to disrupt, overload, or reverse the Service in ways that interfere with others' use of it.

2. Provided "as is"

The Service and every tool on it are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to fitness for a particular purpose, uninterrupted availability, or error-free operation. We may add, change, or remove tools at any time without notice.

3. Results are for reference only — not professional advice

The calculators and tools on Toolhub produce estimates for general information and reference only. They are not a substitute for professional advice. In particular, results relating to money, taxes, health, and legal matters — such as salary, loan, interest, tax, BMI, calorie, blood alcohol, pregnancy, or medication-related tools — are simplified models and must not be relied on for important decisions. Always consult a qualified professional — for example a financial adviser, accountant or tax authority, a doctor or other healthcare provider, or a lawyer — before acting on anything you calculate here. Never use any tool to decide whether it is safe to drive, dose a medication, or make a similar safety-critical judgment.

4. No guarantee of accuracy

We work to keep the tools correct and up to date, but we do not warrant that any result is accurate, complete, or current. Formulas are necessarily simplified, tax and interest rules change, and rounding differences can occur. You are responsible for verifying any result before relying on it, and you use the tools at your own risk.

5. Limitation of liability

To the fullest extent permitted by law, Toolhub and its operator are not liable for any loss or damage — including financial loss, lost data, or consequential damages — arising from your use of, or inability to use, the Service or from reliance on any result it produces. Because the Service is free, this limitation is a fair part of the arrangement.

6. External links

The Service may link to third-party websites for convenience or reference. We do not control and are not responsible for the content, accuracy, or practices of those sites, and a link does not imply endorsement. Visiting an external site is subject to that site's own terms and privacy policy.

7. Advertising

The Service is supported by advertising, including Google AdSense. Ads may be served by third parties that use cookies and similar technologies as described in our Privacy Policy. We are not responsible for the content of ads or for any products or services they promote.

8. Governing terms

These terms are governed by generally applicable law. If any provision is found unenforceable, the remaining provisions continue in effect. For questions about these terms, please see the contact page.