Terms of Service

1. Acceptance of Terms

By accessing or using TopOpenTools ("the Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. Use of Tools

TopOpenTools provides free online utilities for informational and personal use. You may use the tools for personal, educational, or commercial purposes, provided you comply with these terms and applicable laws.

You agree not to:

• • Attempt to reverse-engineer or scrape the Site in bulk
• • Use the tools for any unlawful purpose
• • Interfere with the Site's operation or availability

3. Accuracy & Disclaimer

Our financial calculators provide estimates based on the inputs you provide using standard mathematical formulas. Results are for informational purposes only and should not be used as the sole basis for financial, investment, or legal decisions.

Always consult a qualified professional (financial advisor, mortgage broker, tax advisor) for decisions that matter. Actual results from your lender, bank, or institution may differ from our estimates.

4. No Warranty

The Site and all tools are provided "as is" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

5. Limitation of Liability

To the fullest extent permitted by law, TopOpenTools and its owners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any information provided.

6. Intellectual Property

All content on this Site — including tool designs, copy, and code — is owned by TopOpenTools or its licensors. You may not reproduce or redistribute it without permission.

7. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the Site after changes constitutes acceptance of the revised terms.

8. Contact

Questions? [email protected]