Terms of Service
Last Updated: February 15, 2026
Welcome to FindInfoTool.com. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using FindInfoTool.com, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.
1. Acceptance of Terms
By using FindInfoTool.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the website following any changes constitutes acceptance of those changes.
2. Description of Service
FindInfoTool.com provides free online calculators, estimators, and informational tools related to insurance, finance, and legal topics. Our services include:
- Insurance calculators and estimators
- Financial planning and calculation tools
- Legal information estimators
- Educational content and resources
3. Important Disclaimers About Our Tools
Educational Purposes Only: All calculators, tools, and information provided on FindInfoTool.com are for educational and informational purposes only. They are NOT intended to provide:
- Professional financial advice
- Legal advice or legal opinions
- Insurance recommendations or policy guidance
- Medical advice
- Tax advice
Estimates Only: Results generated by our calculators are estimates based on the information you provide and general formulas. Actual results may vary significantly based on your specific circumstances, market conditions, legal jurisdictions, and other factors.
4. User Responsibilities
4.1 Accurate Information
When using our calculators and tools, you are responsible for providing accurate information. The quality of the results depends on the accuracy of your input data.
4.2 Professional Consultation
You agree to seek professional advice before making any financial, legal, insurance, or medical decisions. Our tools should not be used as a substitute for professional consultation with:
- Licensed financial advisors or planners
- Qualified attorneys
- Licensed insurance agents or brokers
- Certified public accountants
- Medical professionals
4.3 Appropriate Use
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree NOT to:
- Use the website in any way that violates applicable laws or regulations
- Attempt to interfere with or disrupt the website's functionality
- Use automated systems (bots, scrapers) to access the website without permission
- Transmit any harmful code, viruses, or malicious software
- Engage in any activity that could damage, disable, or impair the website
- Attempt to gain unauthorized access to any portion of the website
- Misrepresent your identity or affiliation
- Use the website to distribute spam or unsolicited communications
5. Intellectual Property Rights
5.1 Our Content
All content on FindInfoTool.com, including but not limited to text, graphics, logos, images, calculator algorithms, software code, and compilation of content, is the property of FindInfoTool.com and is protected by copyright, trademark, and other intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not:
- Reproduce, duplicate, copy, or resell any part of our website
- Modify or create derivative works based on our content
- Redistribute our calculators or tools without permission
- Remove copyright or proprietary notices
5.3 User Submissions
If you submit any content to our website (comments, feedback, suggestions), you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display such content for the operation and improvement of our website.
6. Third-Party Services and Links
6.1 Third-Party Advertising (Future Implementation)
FindInfoTool.com is designed to be fully compliant with Google AdSense policies. When we implement third-party advertising programs in the future, these third parties may use cookies and other tracking technologies to serve advertisements. We will not be responsible for the content, accuracy, or practices of third-party advertisers.
6.2 External Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of external sites. Your use of third-party websites is at your own risk.
6.3 Google Services
We use Google Analytics and are prepared for future use of Google AdSense. Your use of these services is subject to Google's Terms of Service and Privacy Policy.
7. Disclaimer of Warranties
FindInfoTool.com is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:
- Warranties of merchantability or fitness for a particular purpose
- Warranties that the website will be uninterrupted, secure, or error-free
- Warranties regarding the accuracy, reliability, or completeness of content
- Warranties that defects will be corrected
We do not guarantee that the calculators will produce accurate results for your specific situation. Calculator results are estimates only and should not be relied upon for making important decisions.
8. Limitation of Liability
To the fullest extent permitted by law, FindInfoTool.com and its operators shall not be liable for:
- Any direct, indirect, incidental, consequential, or punitive damages
- Loss of profits, revenue, data, or use
- Damages resulting from your use or inability to use the website
- Damages resulting from any decisions made based on calculator results
- Damages resulting from unauthorized access to or alteration of your data
- Any damages arising from third-party content or advertisements
This limitation applies even if we have been advised of the possibility of such damages. Some jurisdictions do not allow limitations on implied warranties or liability for incidental or consequential damages, so some of the above limitations may not apply to you.
9. Indemnification
You agree to indemnify, defend, and hold harmless FindInfoTool.com and its operators from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:
- Your use of the website
- Your violation of these Terms
- Your violation of any rights of another party
- Your use of calculator results in making decisions
10. No Professional Relationship
Use of our website does not create any professional relationship between you and FindInfoTool.com. We are not your financial advisor, attorney, insurance agent, accountant, or healthcare provider. No attorney-client, financial advisor-client, or other professional relationship is established through your use of this website.
11. Privacy and Data Collection
Your use of FindInfoTool.com is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. Please review our Privacy Policy to understand our data practices.
12. Age Restrictions
Our website is intended for users who are at least 13 years old (or 16 in the EEA). If you are under the required age, you may not use our website without parental consent. By using our website, you represent that you meet the age requirements.
13. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with applicable international laws. Any disputes arising from these Terms or your use of the website shall be resolved through binding arbitration or in courts of competent jurisdiction, as permitted by law.
14. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely approximates the intent of the original provision.
15. Entire Agreement
These Terms of Service, together with our Privacy Policy and any other legal notices published on the website, constitute the entire agreement between you and FindInfoTool.com regarding your use of the website.
16. Termination
We reserve the right to terminate or suspend your access to our website at any time, without notice, for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the website will immediately cease.
17. Changes to Terms
We may modify these Terms at any time. Material changes will be indicated by updating the "Last Updated" date at the top of this page. We encourage you to review these Terms periodically. Your continued use of the website after changes are posted constitutes acceptance of the modified Terms.
18. Contact Information
If you have any questions about these Terms of Service, please contact us:
Email: Contact@findinfotool.com
Website: www.findinfotool.com
Acknowledgment
By using FindInfoTool.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
