Terms of Service
Effective Date: February 1, 2026
1. Purpose
These Terms of Service govern your use of the hwanicalc website and services. By using our services, you agree to be bound by these terms.
2. Definitions
- "Service" refers to the financial calculators, tools, and information provided by hwanicalc, including salary, loan, employment, and date/time calculators.
- "User" refers to any person who accesses or uses the Service.
3. Service Description
hwanicalc provides the following free services:
- Salary and take-home pay calculators
- Loan calculators (mortgage, auto loan, repayment plans)
- Employment tools (minimum wage, annual leave)
- Real estate calculators (ROI analysis)
- Date, time, and calendar tools
- General purpose calculators (19+ tools)
4. Disclaimer of Accuracy
- For Reference Only: All calculations and information provided by the Service are for reference purposes only and do not constitute legal, tax, or financial advice.
- No Guarantee: While we strive for accuracy, we cannot guarantee that all calculations reflect the most current tax rates, regulations, or policies.
- Professional Advice: Users should consult qualified professionals (accountants, tax advisors, financial planners) for actual financial decisions.
5. User Obligations
Users agree not to:
- Reproduce, distribute, or commercially exploit content from the Service without prior consent
- Interfere with the stable operation of the Service
- Infringe upon the intellectual property rights of hwanicalc
- Violate any applicable laws or regulations
6. Limitation of Liability
hwanicalc provides the Service free of charge and shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of the Service.
7. Intellectual Property
All content, designs, and code of the Service are the property of hwanicalc. Users may not reproduce or redistribute any content for commercial purposes without prior written consent.
8. Advertising
The Service may display advertisements through Google AdSense or other advertising networks. hwanicalc is not responsible for the content of third-party advertisements or any transactions resulting from them.
9. Changes to Terms
hwanicalc reserves the right to modify these Terms of Service at any time. Changes will be posted on the website at least 7 days before they take effect.
10. Governing Law
These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from the use of the Service shall be resolved in the courts of competent jurisdiction.
Supplementary
These Terms of Service are effective as of February 1, 2026.