Terms of Service

1. Acceptance of Terms

By accessing and using Findocs, you confirm that you are at least 13 years of age, that you have read and understood these Terms of Service, and that you agree to be bound by them. These terms apply to all visitors, users, and others who access or use the service.

2. Description of Service

Findocs provides free, browser-based tools including:

• Financial calculators (mortgage, compound interest, ROI, retirement, tax, VAT, and more)
• PDF tools (merge, split, compress, rotate, convert, and protect)
• Educational content including blog articles, financial guides, and a glossary
• Downloadable financial templates

All services are provided on an "as is" and "as available" basis without any warranties, express or implied. We reserve the right to modify, suspend, or discontinue any part of the service at any time without prior notice.

3. Financial Information Disclaimer

The financial calculators, tools, and educational content on Findocs are provided for informational and educational purposes only. They do not constitute financial, investment, tax, or legal advice.

Calculation results are estimates based on the inputs you provide and standard mathematical formulas. They may not account for all variables relevant to your personal financial situation, local tax laws, lender-specific terms, or market conditions. Results should not be relied upon as the sole basis for any financial decision.

Always consult a qualified financial advisor, tax professional, mortgage broker, or legal counsel before making significant financial decisions. Findocs is not liable for any financial loss or damage arising from reliance on the results produced by our tools.

4. Acceptable Use

You agree to use Findocs only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the site. You are prohibited from:

• Using automated tools (bots, scrapers) to access or collect data from our site in bulk
• Attempting to gain unauthorized access to our systems or infrastructure
• Distributing malware, viruses, or harmful code through our PDF tools
• Processing files that contain illegal content, including content that violates copyright, contains child sexual abuse material, or facilitates illegal activity
• Using our tools in any way that could damage, disable, or impair the functionality of the site
• Impersonating Findocs or misrepresenting your affiliation with us

5. Intellectual Property

The Findocs website, including its design, text, graphics, logos, code, and content, is owned by Findocs and protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any part of our content without our prior written consent.

The financial calculators and PDF tools are made available for your personal, non-commercial use only. You retain full ownership of any files you process through our tools.

6. Third-Party Services

Findocs uses third-party services that are subject to their own terms and privacy policies:

• Google AdSense (Google LLC): Displays advertisements on our site. Google may use cookies to serve ads based on your browsing history. You can opt out of personalized ads at google.com/settings/ads.
• Vercel Analytics: Provides anonymized usage statistics to help us improve the site. No personally identifiable information is collected.

Findocs is not responsible for the content, practices, or policies of any third-party services. Links to third-party websites do not constitute an endorsement.

7. Privacy

Your use of Findocs is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using the site, you consent to the data practices described in the Privacy Policy, including the use of cookies for analytics and advertising purposes.

8. Disclaimer of Warranties

Findocs expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that:

• The service will be uninterrupted, timely, secure, or error-free
• The results obtained from the tools will be accurate, complete, or reliable
• Any errors in the service will be corrected

9. Limitation of Liability

To the fullest extent permitted by applicable law, Findocs shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, goodwill, or other intangible losses — arising from your use of or inability to use the service, even if we have been advised of the possibility of such damages.

Our total liability to you for all claims arising from or related to the service shall not exceed the amount you paid to us in the twelve months preceding the claim (which, for a free service, is zero).

10. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the site, with an updated "Last updated" date. Your continued use of Findocs after any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent courts.

12. Contact Us

If you have any questions about these Terms of Service, please reach out through our Contact page.