Welcome to SmartCalcHub ("we", "us", "our") operated at Foralix.com. By accessing or using this website, you agree to the following Terms of Service. If you do not agree with these terms, please discontinue use of the site.

SmartCalcHub provides financial and mathematical calculators for informational and educational purposes only. You agree that:

• You use all calculators, tools, and outputs at your own risk
• We do not guarantee the accuracy, completeness, or reliability of calculations or projections
• Our tools are not a substitute for professional financial, legal, or investment advice
• Any decisions made using the results from our calculators are solely your responsibility

The content and calculators provided on this website do not constitute professional financial, legal, tax, accounting, or investment advice.

To the fullest extent permitted by law, SmartCalcHub and its owners/operators:

• Are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this website
• Make no warranty regarding the accuracy or reliability of any calculations, forecasts, or outputs
• Are not responsible for financial losses, decisions, or outcomes based on calculator results

Our website may include links to external websites or third-party tools. These links are provided for convenience only. We do not control or endorse third-party sites and are not responsible for their content, policies, or practices.

SmartCalcHub participates in Google AdSense and may display contextual ads. By using the site, you agree to the following:

• Ads may be personalized based on your browsing behavior
• Google may use cookies or device identifiers to serve advertisements
• You may opt out of personalized ads via Google's Ad Settings

We are not responsible for the content, accuracy, legality, or behavior of third-party advertisements.

This website may use:

• Essential cookies for site functionality
• Analytics cookies (Google Analytics, etc.)
• Advertising cookies (AdSense behavioral ads)

These tools help us understand usage patterns and improve performance. You may disable cookies at any time in your browser settings.

We may use analytics tools to collect anonymized data such as:

• Page visits and navigation patterns
• Device type and browser information
• Approximate geographic location (non-identifiable)

No personally identifiable information (PII) is collected unless voluntarily submitted by you through contact forms.

By using this site, you agree to:

• Use the calculators lawfully and responsibly
• Not attempt to disrupt site functionality or security
• Not copy, redistribute, or resell the calculator tools without permission
• Comply with all applicable laws and regulations

We may update these Terms of Service at any time. Continued use of the site after changes means you accept the updated terms. We recommend reviewing this page periodically for any updates.

If you have questions about these Terms of Service, you may contact us at:

Or via the contact form on our website. We typically respond to inquiries within 24-48 hours.