Terms of Service

1. Agreement to Terms

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

These Terms constitute a legally binding agreement between you and LifeByNumbers. We reserve the right to update these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.

2. Description of Service

LifeByNumbers provides free online calculators for various purposes including but not limited to:

• Financial calculations (mortgage, salary, savings, pension, etc.)
• Health and fitness calculations (BMI, calories burned, etc.)
• Date and time calculations (age, date difference, countdown, etc.)
• Everyday calculations (percentage, tip, unit conversion, etc.)

The Service is provided free of charge and supported by advertising.

3. Use of Service

3.1 Permitted Use

You may use the Site for:

• Personal, non-commercial calculations
• Educational purposes
• Informational purposes

3.2 Prohibited Use

You may NOT:

• Use the Site for any illegal purpose or in violation of any laws
• Attempt to interfere with, compromise, or disrupt the Site's functionality
• Use automated systems (bots, scrapers) to access the Site
• Copy, reproduce, or redistribute calculator code without permission
• Remove or modify any copyright or proprietary notices
• Use the Site in any way that could damage, disable, or impair the service

4. Important Disclaimers

4.1 Financial Calculators

Our financial calculators (mortgage, salary, pension, savings, etc.) provide estimates only. Actual results may vary based on:

• Individual circumstances and eligibility
• Market conditions and interest rates
• Tax laws and regulations (which vary by location and change frequently)
• Lender-specific terms and fees

Always consult a qualified financial advisor, accountant, or mortgage broker for personalized advice.

4.2 Health Calculators

Our health calculators (BMI, calorie, pregnancy, fertility, etc.) provide general information only. They should NOT be used for medical diagnosis or treatment decisions.

Always consult a qualified healthcare provider for medical advice, diagnosis, or treatment.

4.3 Accuracy

While we strive for accuracy, we do not guarantee that calculator results are error-free, complete, or suitable for your specific situation. Results are estimates and approximations.

5. No Warranties

THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties of non-infringement
• Warranties that the Site will be uninterrupted or error-free

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIFEBYNUMBERS SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use the Site
• Damages arising from reliance on calculator results
• Damages arising from errors, omissions, or inaccuracies in calculations

This limitation applies even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED $100 USD.

7. Indemnification

You agree to indemnify, defend, and hold harmless LifeByNumbers and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Any decisions made based on calculator results

8. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, calculator designs, and software, is the property of LifeByNumbers and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy or reproduce Site content without written permission
• Create derivative works based on our calculators
• Use our trademarks or branding without authorization
• Reverse engineer or decompile any Site components

9. Third-Party Links and Services

The Site may contain links to third-party websites or services (including advertisements). We are not responsible for:

• The content, privacy policies, or practices of third-party sites
• Any products or services offered by third parties
• Any damages or losses caused by third-party interactions

10. Advertising

The Site is supported by advertising provided by Google AdSense and other advertising partners. We do not endorse or take responsibility for advertised products or services. Your interactions with advertisers are solely between you and the advertiser.

11. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

12. Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice, for any reason, including but not limited to violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in the United States.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Changes to Terms

We may update these Terms from time to time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

16. Contact Information

If you have questions about these Terms, please contact us: