Terms of Service
Effective Date: May 31, 2026 | Last Updated: May 31, 2026
Please read these Terms of Service (“Terms”, “Agreement”) carefully before accessing or using Findensity.com (“the Website”). This Agreement sets forth the legally binding terms and conditions for your use of the financial calculation engines, analytical frameworks, and instructional finance guides published on the Website.
1. Acceptance of Terms
By accessing, browsing, or utilizing any resources on Findensity.com, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service. If you do not agree to any portion of these conditions, you must immediately terminate use of the Website.
2. Educational & Informational Reference Statement
NOT Financial Advice: All calculators, models, guides, and articles provided on Findensity.com are for informational and educational purposes only. They do not constitute financial, legal, investment, CPA accounting, or IRS tax advice.
The outputs produced by our calculation engines are mathematical estimations based on general parameters. They should not be used as the primary basis for critical business, tax filing, household planning, or capital acquisition decisions. You are solely responsible for verifying results with certified professionals.
3. Accuracy of Models & Rate Alterations
While the Findensity Finance Team works diligently to calibrate our mathematical simulations with historical and current tax variables (such as 2025/2026 IRS schedules or state-level withholding thresholds), financial laws, inflation formulas, interest schedules, and capital-gains structures are subject to continuous amendment. We do not warrant, represent, or declare that any metrics, amortizations, or estimates are error-free or perfectly up-to-date.
4. Intellectual Property Rights
Unless otherwise stated, all proprietary source codes, interactive vanilla JavaScript modules, formulas, written editorial blog articles, design styles (CSS), corporate logos, brand icons, and sitemap materials are the exclusive property of Findensity.com and are protected under United States and international copyright, trademark, and intellectual property statutes. You are granted a limited license to execute and print reports for personal, non-commercial research only.
5. Limitation of Liability
Under no legal theory (whether contract, tort, strict liability, or otherwise) shall Findensity.com, its owners, developers, authors, or team members be liable to you or any third party for any direct, indirect, incidental, consequential, special, or exemplary damages, including but not limited to loss of capital, business opportunities, tax penalties, investment deficits, or errors arising from the use or inability to use our tools, even if advised of the possibility of such damages. Use of our calculators is strictly at your own risk.
6. Prohibited Visitor Activity
As a condition of using or viewing Findensity.com, you agree to refrain from the following activities:
- Using crawlers, robots, or scripts to scrape text contents, formulas, or blog guides.
- Submitting malicious code, XSS injections, or automated spam across contact forms.
- Framing our interactive pages or attempting to pass calculations off as your own tools.
7. Governing Law & Dispute Resolution
Any dispute, claim, or transaction arising from your use of Findensity.com shall be governed, interpreted, and enforced in accordance with the laws of the State of Delaware (United States of America), without regard to its conflict of law provisions. Any legal litigation shall reside exclusively in federal or state courtrooms located in Delaware.