Terms of Service

1. Acceptance of Terms

By accessing and using Fanalyx (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Service Description

Fanalyx provides online financial calculators and analysis tools, including but not limited to:

• Loan and mortgage calculators
• Investment and retirement planning tools
• Business financial analysis models
• Lease analysis calculators
• Budget and savings planners

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Service in any way that violates any applicable law or regulation
• Attempt to interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any portion of the Service
• Use automated systems (bots, scrapers) to access the Service without permission
• Reproduce, duplicate, or copy material from the Service for commercial purposes
• Transmit any malicious code, viruses, or harmful components

5. Your Data and Privacy

Client-Side Processing: All financial calculations are performed entirely in your web browser. We do not collect, store, or transmit any of the financial data you enter into our calculators.

For information about how we collect and use other types of data (such as usage analytics and advertising data), please review our Privacy Policy.

6. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by Fanalyx and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service or software without our express written permission.

7. Third-Party Services and Advertising

7.1 Google AdSense

Our Service uses Google AdSense to display advertisements. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.

7.2 Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Fanalyx and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your access to or use of the Service, or your violation of these Terms.

10. Service Availability and Modifications

We reserve the right to:

• Modify or discontinue the Service (or any part thereof) temporarily or permanently
• Refuse service to anyone for any reason at any time
• Update, change, or discontinue any content, feature, or functionality
• Impose limits on certain features or restrict access to parts of the Service

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use the Service will immediately cease.

12. Governing Law and Jurisdiction

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 arising from these Terms or the Service shall be resolved in the courts located in the United States.

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

14. Changes to These Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.