Terms of Use

Acceptance of Terms

By accessing or using Smart Tool Hub ("the Site"), you agree to be bound by these Terms of Use and Disclaimer. If you do not agree with any part of these terms, please do not use the Site. These terms apply to all visitors and to all tools and content we provide.

Estimates Only

All calculators and content on the Site are provided for general informational and educational purposes only. The results are estimates based on the figures you enter and on simplified formulas. Actual results will vary depending on your specific circumstances, local rules, and the data you provide.

Not Financial, Tax, Medical or Legal Advice

Nothing on this Site constitutes financial, investment, tax, medical, health, or legal advice, and nothing here creates a professional–client relationship. Our money and loan calculators do not account for every fee, tax rule, or regulation; our health tools such as BMI and BMR are general reference indicators and are not a diagnosis or a medical opinion. Always consult a qualified professional — an accountant, financial advisor, physician, or lawyer — before making decisions that affect your finances, taxes, health, or legal rights.

Accuracy of Results and No Warranty

We work to keep our formulas and content accurate and up to date, but we make no guarantee that the results are complete, correct, or suitable for any particular purpose. The Site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. You rely on the results at your own risk.

Intellectual Property

The design, text, code, and other content of the Site are owned by Smart Tool Hub or its licensors and are protected by applicable copyright and other intellectual property laws. You may not copy, reproduce, or redistribute our content for commercial purposes without our prior written permission.

Permitted Use

You are welcome to use the Site for personal, non-commercial purposes and to link to any of our calculator pages. You agree not to misuse the Site, including by attempting to disrupt it, scraping it at scale, or using it for unlawful purposes.

Third-Party Links and Services

The Site may contain links to third-party websites and may display third-party advertising. We do not control and are not responsible for the content, products, services, or privacy practices of any third party. Links and ads do not imply our endorsement.

Limitation of Liability

To the maximum extent permitted by law, Smart Tool Hub and its operators will not be liable for any direct, indirect, incidental, consequential, or special damages — including lost profits, lost savings, or decisions made in reliance on the Site — arising from your use of, or inability to use, the Site or its calculators.

Changes to These Terms

We may revise these terms at any time. The "Last updated" date below shows when they were last changed. Continued use of the Site after changes take effect constitutes acceptance of the revised terms.

Governing Law

These terms are governed by the laws applicable at our place of operation, without regard to conflict-of-law rules. If any provision is found unenforceable, the remaining provisions will remain in full force.

Last updated: October 5, 2026 · Contact: support@tools.example.com