Terms & Conditions - CD Calculators

1. Acceptance of Terms

By using our website, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and agree to these Terms & Conditions.

Business Users: If you are using our website on behalf of an organization, you represent that you have the authority to bind that organization to these terms.

2. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, videos, calculator code, and software, is the property of CD Calculators or its licensors and is protected by copyright, trademark, and other intellectual property laws of the United States and internationally.

Restrictions: You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content without our prior written consent.

Calculators & Tools: Our calculators are provided for personal, non-commercial use only. You may not reverse engineer, decompile, or extract the underlying algorithms for commercial purposes.

3. User Responsibilities

When using our website, you agree to:

Use the website only for lawful purposes and in accordance with all applicable local, state, and federal laws
Not engage in any activity that disrupts or interferes with the website's functionality or security
Not attempt to gain unauthorized access to our systems, servers, or data
Not use the website to transmit any harmful or malicious content (e.g., viruses, malware, spam)
Not use automated systems or bots to access, scrape, or copy our content
Not impersonate any person or entity or misrepresent your affiliation with any person or entity

4. User-Generated Content

If you submit content to our website (e.g., comments, reviews, feedback, or forum posts), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and worldwide license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display your content.

Your Responsibility: You are solely responsible for the content you submit, and it must not:

Violate any third-party rights (including copyright, trademark, or privacy rights)
Contain defamatory, obscene, or unlawful material
Promote discrimination, hatred, or violence
Contain false or misleading information

We reserve the right to remove any user-generated content at our sole discretion, without notice.

5. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by us. These include but are not limited to Google AdSense, Google Analytics, and social media platforms.

No Control: We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You access them at your own risk.

We encourage you to review the terms and conditions and privacy policies of any third-party websites you visit.

6. Disclaimer of Warranties

Our website is provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of the website or its content.

No Warranty: We disclaim all warranties, including but not limited to:

Merchantability or fitness for a particular purpose
Non-infringement of intellectual property
Error-free or uninterrupted operation
Accuracy of calculator results

Your use of the website and any reliance on its content is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your use of our website or the information, products, or services provided on it.

This includes, but is not limited to, damages for:

Loss of profits or financial loss (including incorrect calculator results)
Data loss or corruption
Business interruption
Reputational harm
Other intangible losses

Jurisdictional Note: Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you. In such cases, our liability shall be limited to the fullest extent permitted by applicable law.

8. Indemnification

You agree to indemnify and hold harmless CD Calculators, its owners, employees, affiliates, and partners from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of or in any way connected with:

Your use of the website
Your violation of these Terms & Conditions
Your violation of any third-party rights
Any content you submit to the website

9. Termination

We reserve the right to terminate or suspend your access to our website at any time, without notice, for any reason, including but not limited to a violation of these Terms & Conditions.

Upon termination, your right to use the website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, warranty disclaimers, and limitations of liability.

10. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of India.

Jurisdiction: Any disputes arising from these terms will be resolved exclusively in the courts of India. However, this shall not prevent us from seeking injunctive relief in any jurisdiction to protect our intellectual property rights.

For users in the United States, this choice of law provision does not limit any consumer protection rights you may have under applicable U.S. law.

11. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time without prior notice. Any changes will be posted on this page with a revised "Last Updated" date.

Your Continued Use: Your continued use of our website after any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically.