Terms of Use

Last Updated: November 2, 2025

1. Acceptance of Terms

By accessing and using Tools-Hut ("the Service", "we", "us", "our"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

Effective Date: These terms are effective immediately upon your first use of the Service.

2. Service Description

Tools-Hut provides free, browser-based online tools for various purposes including but not limited to:

  • Financial calculators (SIP, investment, loan calculators)
  • Data conversion and validation tools
  • Productivity utilities (sticky notes, date calculators)
  • Web development tools (JSON validators, HTTP request composers)

Client-Side Processing: All current tools operate entirely in your web browser. Your data is not transmitted to our servers.

3. Use License

Tools-Hut grants you a limited, non-exclusive, non-transferable, revocable license to:

  • Access and use the Service for personal or business purposes
  • Use the tools without registration or account creation
  • Access the Service from any location worldwide

Restrictions: You may not:

  • Attempt to reverse engineer, decompile, or disassemble the Service
  • Use automated systems to scrape or download content
  • Remove, obscure, or alter any copyright or trademark notices
  • Use the Service in any way that violates applicable laws

4. User Responsibilities

You agree to:

  • Verify Results: Independent verification of all calculations and outputs, especially for financial decisions
  • Compliance: Use the Service in compliance with all applicable local, state, national, and international laws
  • Security: Maintain the security of your device and browser when using our tools
  • Prohibited Use: Not use the Service for illegal purposes, malicious activities, or to harm others
  • Professional Advice: Consult qualified professionals before making significant financial or legal decisions based on tool outputs

5. No Registration Required

Currently, Tools-Hut does not require user registration or account creation. You can use all tools anonymously. However, this may change in the future for certain features.

If we introduce optional user accounts, we will:

  • Make it optional, not mandatory for basic features
  • Clearly communicate what data is collected
  • Update our Privacy Policy accordingly

6. Service Availability

Free Access: All current tools are provided free of charge.

No Guarantee: We do not guarantee that the Service will be:

  • Available at all times or uninterrupted
  • Error-free, secure, or free from viruses
  • Compatible with all devices or browsers

Maintenance: We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice.

7. Future Service Changes

Server-Side Processing: Complex features that cannot run efficiently in browsers will use server-side processing:

  • These will be clearly labeled and explained
  • Data handling practices will be transparently communicated
  • We maintain our commitment to minimal data collection

Service Fees: Small fees may be introduced to cover development and hosting costs:

  • Essential tools will remain accessible
  • Pricing will be clearly displayed and justified
  • Advance notice will be provided before implementation
  • Users will have access to free alternatives where possible

User Accounts: Optional registration may be introduced:

  • Always optional, never required for core tools
  • Used only for personalized or advanced features
  • Standard account security measures will apply
  • Users retain control over their data

8. Disclaimers and Warranties

AS-IS BASIS: THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, reliability, or completeness of information

FINANCIAL DISCLAIMER: Tools-Hut is NOT a financial advisor. Calculator results are:

  • Estimates based on provided inputs and assumptions
  • Not guaranteed to be accurate, complete, or suitable for your specific situation
  • Not substitutes for professional financial, legal, or tax advice

Educational Purpose: All tools are provided for informational and educational purposes only. Consult qualified professionals before making financial decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOOLS-HUT AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

  • Direct Damages: Any direct losses resulting from use or inability to use the Service
  • Indirect Damages: Any indirect, incidental, special, consequential, or punitive damages
  • Financial Losses: Any financial decisions made based on tool outputs
  • Data Loss: Loss of data, profits, or business opportunities
  • Third-Party Actions: Actions of third-party services we integrate with

Maximum Liability: In no event shall our total liability exceed $100 USD or the amount you paid to use the Service (currently $0), whichever is less.

10. Indemnification

You agree to indemnify, defend, and hold harmless Tools-Hut and its operators from any claims, liabilities, damages, losses, costs, or expenses arising from:

  • Your violation of these Terms
  • Your use or misuse of the Service
  • Your violation of any third-party rights
  • Financial decisions made based on tool outputs

11. Privacy and Data

Your use of the Service is also governed by our Privacy Policy, which explains our commitment to client-side processing and data privacy.

Key Points:

  • All tools currently process data in your browser only
  • We don't collect personal information or tool usage data
  • Your data never leaves your device

12. Intellectual Property

All content, design, code, logos, and trademarks on Tools-Hut are owned by or licensed to us. You may not:

  • Copy, modify, or distribute our intellectual property
  • Use our name or branding without permission
  • Create derivative works based on our Service

13. Third-Party Services

We use minimal third-party services (Google Fonts, Font Awesome, Google Analytics, Google reCAPTCHA). Your interactions with these services are governed by their respective terms and policies.

Google reCAPTCHA

Our website uses Google reCAPTCHA v3 for bot detection and spam prevention on the feedback form. By submitting feedback, you agree to Google's collection and processing of data as described in their Privacy Policy and Terms of Service.

14. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration, except where prohibited by law.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting with an updated "Last Updated" date.

Your Responsibility: Continued use of the Service after changes constitutes acceptance of the modified Terms.

Material Changes: For significant changes, we'll provide notice through the website or other reasonable means.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Tools-Hut regarding the Service, superseding any prior agreements.

18. Contact

For questions about these Terms, please contact us at admin@tools-hut.com.

For more information about how we protect your privacy, visit our About Page.