Disclaimer

Our finance calculators (mortgage, EMI, compound interest, savings goal, retirement, GST, SIP, fuel cost, tip, discount, percentage, and similar tools) are provided as educational estimators only. They do not constitute financial, investment, tax, accounting, or legal advice.

Results are based solely on the inputs you provide and the standard formulas used in the industry. Real loans, investments, and taxes involve fees, terms, conditions, and regulations specific to your lender, jurisdiction, and individual situation.

Always consult a qualified professional (financial advisor, accountant, tax professional, or your lender) before making any financial decision. Toolsfluent is not responsible for any decisions, gains, or losses resulting from the use of our calculators.

BMI, BMR, calorie, body fat, ideal weight, and similar health tools are general screening tools and are not a substitute for medical advice, diagnosis, or treatment.

These calculations are based on widely-used formulas (Mifflin-St Jeor, Devine, US Navy method, etc.) but they cannot account for individual factors such as muscle mass, bone density, medical conditions, ethnicity, or pregnancy in all cases.

Always consult a qualified healthcare professional for personal medical questions or before starting any diet, exercise, or medical program. Never disregard professional medical advice or delay seeking it because of something you read on Toolsfluent.

We work hard to keep all of our tools accurate and up to date. The formulas we use are widely accepted and our code is reviewed regularly. However:

• Tax rates, currency conversion rates, financial market conditions, and similar data points change frequently.
• We cannot guarantee that every tool reflects the most current data at every moment.
• Browser compatibility, JavaScript behavior, and rounding can cause minor variations between our tools and other calculators.

We make no warranties or representations as to the accuracy, completeness, reliability, or suitability of any tool output for any specific purpose. Always verify important results with authoritative sources or professionals.

Where currency conversion is supported, we use exchange rates from a third-party API that aggregates data from central banks. Rates are mid-market and updated approximately daily.

These rates are not the same as bank rates. Banks and money transfer services typically add a markup of 1-5% on top of mid-market rates. Use our converter for an estimate, then check your bank, exchange, or money transfer service for the actual rate you will receive.

For currency-input tools (e.g. Mortgage Calculator), we display values in your selected currency for convenience. We do not perform real-time foreign exchange between currencies in those tools.

Toolsfluent may contain links to third-party websites, services, or tools for your convenience or reference. We have no control over the content, privacy practices, or accuracy of any third-party site, and we do not endorse them.

Once you leave Toolsfluent via an external link, our terms and policies no longer apply. We strongly advise reviewing the respective terms and privacy policies of any third-party website before sharing personal information with them.

Toolsfluent displays third-party advertisements (for example through Google AdSense) to help fund the cost of running the service. We do not endorse any advertised product or service.

Any transactions, communications, or relationships you have with companies whose ads appear on Toolsfluent are solely between you and that company. Toolsfluent is not responsible for any aspect of such interactions.

To the fullest extent permitted by law, Toolsfluent and its team shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of, or reliance on, the tools, calculators, content, or any third-party content found on this website.

This includes (but is not limited to) financial losses, health decisions, lost profits, lost data, business interruption, and personal injury.

We may update this disclaimer from time to time to reflect changes in our tools, content, legal requirements, or other factors. The latest version will always be available on this page with the updated "Last Updated" date.

Continued use of Toolsfluent after updates implies acceptance of the revised disclaimer.

If you have any questions about this disclaimer or the way we present information, please reach out:

• Email: hello@toolsfluent.com
• Contact form: toolsfluent.com/contact