Terms of Use
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By using https://toolgrym.com (the "Site"), you agree to these terms. If you do not agree, please do not use the Site.
What the Site provides
The Site provides free financial calculators and educational articles. All content is provided for general informational and educational purposes only. It is not financial, investment, tax, or legal advice, and it is not a substitute for advice from a qualified professional who knows your situation. See the financial disclaimer.
Accuracy and no warranty
We work hard to keep formulas correct — every calculation is covered by automated tests and independently reviewed — but calculators simplify reality. Actual loan terms, tax treatment, fees, and investment returns will differ from any model. The Site is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose. Results are estimates, not quotes or offers.
Limitation of liability
To the maximum extent permitted by law, ToolGrym and its contributors shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on its content, even if advised of the possibility of such damages. Financial decisions you make remain your responsibility.
Acceptable use
You may link to any page on the Site. You may not scrape the Site at volumes that degrade service, misrepresent our content as your own, or use our name to endorse a product or service. Embedding or republishing substantial portions of our content requires written permission.
Intellectual property
The Site's content, design, and code are the property of ToolGrym or its licensors and are protected by copyright. Formulas themselves are public mathematics — you are free to verify and reuse the math anywhere.
Changes
We may update these terms from time to time; the date above reflects the latest revision. Continued use of the Site after changes constitutes acceptance. Questions: contact@toolgrym.com.