Terms of Service

Last updated: July 14, 2025

Welcome to FinRatePro. These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("you," "your," or "User") and FinRatePro ("we," "us," "our," or "the Company") governing your access to and use of the FinRatePro website located at https://finratepro.com (the "Service"). By accessing, browsing, or otherwise using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

If you do not agree to any part of these Terms, you must not access or use the Service. Your continued use of the Service constitutes your ongoing acceptance of these Terms and any updates we may make to them. We recommend that you print or save a copy of these Terms for your records, and that you review them periodically for changes.

1. Description of Service

FinRatePro provides free, browser-based financial calculators and educational articles covering tax, debt and credit, insurance, real estate, and retirement and investing topics. Our calculators perform mathematical computations entirely in your browser using JavaScript, and the figures you enter into any calculator are never transmitted to or stored on our servers. Our articles are original works written by certified financial professionals and are published for general educational purposes.

The Service is provided on an "as available" basis. We do not guarantee that the Service will be uninterrupted, error-free, secure, or accessible at all times. We may modify, suspend, or discontinue any feature of the Service — or the Service in its entirety — at any time, with or without notice, and without liability to you or any third party. We reserve the right to limit, restrict, or terminate access to the Service for any user at our sole discretion.

2. Acceptance of Terms

By using the Service, you represent and warrant that: (a) you are at least 18 years of age, or if you are under 18, you are accessing the Service only under the supervision of a parent or legal guardian who has agreed to these Terms on your behalf; (b) you have the legal capacity to enter into a binding agreement under applicable law; (c) you are not prohibited from using the Service under the laws of the United States or any other jurisdiction; and (d) you will comply with all applicable laws and regulations when using the Service.

If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and references to "you" in these Terms apply to both you individually and to that organization.

3. Intellectual Property Rights

All content on the Service — including but not limited to articles, calculator code, formulas, graphics, logos, page layouts, the "FinRatePro" name, and the overall look and feel of the Website — is owned by FinRatePro or licensed to us by our content providers, and is protected by United States and international copyright, trademark, and other intellectual property laws. Nothing on the Service may be reproduced, distributed, performed, publicly displayed, or otherwise exploited without our prior written consent, except as expressly permitted by applicable fair-use doctrine.

Trademarks, service marks, and trade names used on the Service — including "FinRatePro" and related logos — are the property of FinRatePro. The names of third-party products, services, and organizations mentioned on the Service are the property of their respective owners and are used for identification and informational purposes only. Such use does not imply endorsement, sponsorship, or affiliation.

You may view, download, and print pages from the Service for your own personal, non-commercial use, provided that you do not modify the content, retain all copyright and other proprietary notices, and do not republish, redistribute, or resell the content without prior written permission. For permission requests, contact contact@finratepro.com.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Service. Prohibited behavior includes, but is not limited to:

• Automated access: scraping, crawling, spidering, or otherwise harvesting data from the Service using bots, scripts, or automated tools without our express written permission.
• Reverse engineering: decompiling, disassembling, or otherwise attempting to derive the source code, underlying ideas, or algorithms of any part of the Service, except to the extent applicable law expressly permits.
• Interference: uploading, transmitting, or deploying viruses, worms, Trojan horses, or any other malicious code; or attempting to gain unauthorized access to, disrupt, or overload the Service, its servers, or its infrastructure.
• Unlawful activity: using the Service to facilitate any illegal act, including fraud, money laundering, tax evasion, or the violation of any federal, state, local, or international law.
• Misrepresentation: using the Service in a way that misrepresents your identity, affiliation, or credentials, or that could reasonably be construed as legal, tax, or financial advice offered by you to third parties.
• Circumvention of security: bypassing, disabling, or otherwise interfering with security-related features of the Service or features that prevent or restrict use or copying of any content.

We reserve the right to investigate and prosecute violations of these Terms to the fullest extent of the law. We may also cooperate with law enforcement and other authorities to assist in the investigation and prosecution of illegal conduct.

5. User-Submitted Content

If you submit feedback, suggestions, corrections, or other content to us through our Contact page or any other channel, you grant FinRatePro a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, and display that content for any purpose related to the operation and improvement of the Service. You represent and warrant that you own or have the necessary rights to submit the content, and that the content does not violate the rights of any third party.

We are not obligated to use, respond to, or publish any content you submit. However, if we believe your submission identifies a genuine error or offers a meaningful improvement, we will review it in good faith and may incorporate it into the Service with or without attribution to you.

6. Financial Disclaimer

All calculators, tools, articles, and other content on the Service are provided strictly for general informational and educational purposes. They are not intended to constitute — and should not be interpreted as — financial, investment, tax, accounting, legal, or other professional advice. The output of any calculator is a mathematical estimate based on the inputs you provide, and does not account for factors that may materially affect your actual financial outcome.

Financial decisions involve significant risk, and you should consult a qualified, licensed professional — such as a Certified Financial Planner (CFP®), Certified Public Accountant (CPA), Chartered Financial Analyst (CFA), or licensed attorney — before making any financial, tax, or investment decision. We make no representation that any result produced by the Service will be accurate, complete, or applicable to your individual circumstances. For the complete terms of our financial disclaimers, please review our Disclaimer page.

7. Third-Party Links and Services

The Service may contain links to third-party websites, tools, and resources that are not owned or controlled by FinRatePro. We provide these links as a convenience and do not endorse, warrant, or take responsibility for the content, accuracy, privacy practices, or services of any third-party site. Your interaction with any third-party website is solely between you and that third party, and is governed by their terms and privacy policy rather than these Terms.

We may also display advertisements served by third-party advertising networks, including Google AdSense. We do not control which ads are shown or the products and services advertised. We are not responsible for the practices of advertisers or ad networks, and any interaction you have with an advertiser is solely between you and that advertiser.

8. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. To the fullest extent permitted by applicable law, FinRatePro and its affiliates, officers, employees, contributors, and licensors expressly disclaim all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that the Service will meet your requirements, that it will be uninterrupted, timely, secure, or error-free, or that the results obtained from the use of the Service will be accurate or reliable.

Any content downloaded or otherwise obtained through the Service is obtained at your own discretion and risk, and you are solely responsible for any damage to your device or loss of data that results from such download or use. No advice or information, whether oral or written, obtained from FinRatePro or through the Service, shall create any warranty not expressly stated in these Terms.

9. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall FinRatePro, its affiliates, officers, directors, employees, contributors, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with your access to or use of, or inability to access or use, the Service — whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

Because some jurisdictions do not allow the exclusion or limitation of certain damages, the above limitations may not apply to you. In jurisdictions that do not permit the wholesale exclusion of liability, our total aggregate liability for any claim arising out of or related to the Service shall not exceed the greater of (a) the amounts you have paid to FinRatePro for the Service in the twelve months preceding the claim, or (b) USD $100. You acknowledge that the Service is provided free of charge and that this limitation of liability is a reasonable allocation of risk between the parties.

10. Indemnification

You agree to defend, indemnify, and hold harmless FinRatePro and its affiliates, officers, directors, employees, contributors, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses — including reasonable attorneys' fees — arising out of or in any way connected with: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including intellectual property or privacy rights; or (d) any content you submit to the Service. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will revise the "Last updated" date at the top of this page and may, at our discretion, provide additional notice of material changes. Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must stop using the Service.

We encourage you to review these Terms periodically. To the extent permitted by applicable law, your use of the Service is subject to the version of these Terms in effect at the time of your use, and any dispute that arises will be governed by the Terms then in force.

12. Termination

We may terminate or suspend your access to the Service at any time, with or without cause or notice, including if we believe you have violated these Terms. Because the Service is freely accessible and does not require an account, termination generally means blocking your IP address or otherwise restricting technical access. Upon termination, all provisions of these Terms that by their nature should survive — including intellectual property, disclaimers, limitation of liability, and indemnification — will continue to apply.

You may stop using the Service at any time. If you wish to request that we delete any personal information you have voluntarily provided (such as a contact form submission), you may do so by emailing contact@finratepro.com, subject to the retention periods described in our Privacy Policy.

13. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or related to them or to the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the state and federal courts located in Delaware for any actions arising out of or related to these Terms or the Service.

Before initiating formal legal proceedings, we encourage both parties to attempt to resolve any dispute informally by contacting us at contact@finratepro.com. If a dispute cannot be resolved informally within 30 days, either party may pursue formal legal remedies. If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

14. Contact Information

If you have any questions, comments, or concerns about these Terms of Service, please contact us:

• Email: contact@finratepro.com
• Contact page: https://finratepro.com/contact.php
• Website: https://finratepro.com

By using FinRatePro, you acknowledge that you have read these Terms of Service, understood them, and agreed to be bound by them in their entirety. Thank you for trusting us with your financial education.