Important Disclaimer

2. Accuracy Disclaimer

While we strive for accuracy, toolshub.app cannot guarantee:

• 100% Accuracy: Calculations are estimates based on mathematical formulas
• Real-time Data: Currency rates and market data may not be real-time
• Completeness: Tools may not account for all variables
• Future Predictions: Projections are based on assumptions

Factors affecting accuracy include:

• Rounding and approximation in calculations
• Formula variations across regions
• Data source limitations
• Technical limitations in implementation

If you find any inaccuracies, please report them to support@toolshub.app.

3. Investment & Financial Tools

Special considerations for financial calculators:

• SIP Calculator: Returns are projections, not guarantees
• EMI Calculator: Actual loan terms may vary by lender
• PPF Calculator: Government rules and rates may change
• Tax Calculators: Tax laws vary by jurisdiction and change frequently
• Retirement Planning: Future needs and inflation are estimates

4. Currency & Conversion Tools

Important notes about our conversion tools:

• Exchange Rates: Rates are indicative and may differ from actual transaction rates
• Update Frequency: Rates update periodically, not in real-time
• Bank Charges: Conversion tools don't include bank fees or charges
• Market Hours: Rates may not update during market closures

For actual currency conversion:

• Check with your bank or financial institution
• Use real-time forex services for trading
• Confirm rates before making transactions

5. Limitation of Liability

To the fullest extent permitted by law, toolshub.app:

• Is not liable for any decisions made based on our tools
• Does not guarantee tool availability or uptime
• Is not responsible for financial losses or damages
• Does not guarantee compatibility with all devices or browsers

You use toolshub.app at your own risk. We provide tools "as is" without warranties.

6. User Responsibility

As a user, you are responsible for:

• Verifying calculations independently for important decisions
• Understanding the limitations of each tool
• Consulting professionals for critical financial matters
• Checking local regulations and laws
• Using tools appropriately and ethically

Do not rely solely on toolshub.app for making important financial, legal, or business decisions.

7. Jurisdictional Considerations

toolshub.app tools may not account for:

• Country-specific regulations and laws
• Regional tax variations
• Local financial practices
• Currency restrictions

Examples of regional variations:

• GST/VAT rates vary by country and product type
• Tax brackets differ across jurisdictions
• Financial product regulations vary globally
• Retirement age and rules differ by country

8. Time-Sensitive Information

Financial information becomes outdated quickly. Consider:

• Interest Rates: Change frequently
• Tax Laws: Updated annually or more often
• Market Conditions: Constantly evolving
• Economic Factors: Inflation, GDP growth, etc.

9. Third-Party Content & Ads

toolshub.app may display:

• Third-party advertisements
• External links
• Partner content

We are not responsible for:

• Content on external websites
• Products or services advertised
• Accuracy of third-party information
• Actions of advertisers or partners

External links are provided for convenience only.

10. Technical Limitations

Be aware of technical considerations:

• Browser Compatibility: Tools may work differently across browsers
• Mobile Experience: Some features may be limited on mobile
• Data Loss: Input data is not saved unless explicitly stated
• Updates: Tools may change or be removed without notice

We recommend:

• Using updated browsers
• Saving important calculations locally
• Checking tool functionality for your use case

11. Educational Purpose

toolshub.app is primarily for:

• Educational purposes - learning about calculations
• Preliminary planning - initial estimates and scenarios
• Conceptual understanding - how formulas work
• Quick reference - approximate calculations

Not for:

• Official financial documentation
• Legal or contractual purposes
• Final decision-making without verification
• Professional reporting or analysis