Terms of Service

1. Acceptance of Terms

By accessing and using toolmagik.com ("the Website"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Website.

2. Description of Service

ToolMagik provides free online tools including calculators, file processors, generators, and utilities. All tools are provided "as is" for general informational and utility purposes. The tools run in your browser using client-side processing.

3. No Professional Advice

The tools and content on this website do NOT constitute:

• Financial advice — Our calculators (EMI, tax, mortgage, compound interest) provide estimates only. Consult a qualified financial advisor for actual financial decisions.
• Legal advice — Any document templates or legal calculators are for informational purposes only. Consult a qualified solicitor or attorney.
• Medical advice — Health calculators (BMI, macros, calories) are general estimates. Consult a healthcare professional for medical decisions.
• Tax advice — Tax calculators provide estimates based on general rates. Tax situations vary. Consult a qualified accountant or tax professional.

4. Accuracy Disclaimer

While we strive to provide accurate tools and calculations:

• We do not guarantee the accuracy, completeness, or reliability of any results
• Tax rates, legal thresholds, and financial regulations change frequently — our tools may not reflect the most recent changes immediately
• Results should be independently verified before making important decisions
• We are not liable for any errors, omissions, or outcomes resulting from use of our tools

5. User Responsibilities

You agree to:

• Use the tools for lawful purposes only
• Not attempt to reverse-engineer, decompile, or exploit the Website
• Not use automated systems (bots, scrapers) to access the Website excessively
• Not misrepresent any tool output as certified professional advice
• Verify important calculations independently

6. Intellectual Property

The Website design, code, branding, content, and tool implementations are the property of ToolMagik. You may freely use the output/results of our tools for any purpose, but you may not copy, reproduce, or redistribute the Website itself or its source code without permission.

7. Limitation of Liability

To the fullest extent permitted by law:

• ToolMagik shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from use of the Website or tools
• We are not responsible for any decisions made based on tool output
• We are not responsible for any loss of data (though our tools don't store your data)
• Our total liability shall not exceed $0, as the service is provided free of charge

8. Third-Party Links & Services

The Website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or accuracy of external sites. Clicking affiliate links is optional and at your own discretion.

9. Availability

We strive to keep the Website available 24/7 but do not guarantee uninterrupted access. We may modify, suspend, or discontinue any tool or the entire Website at any time without notice.

10. Changes to Terms

We reserve the right to update these terms at any time. Changes take effect immediately upon posting. Continued use of the Website after changes constitutes acceptance.

11. Governing Law

These terms are governed by applicable international laws. Any disputes shall be resolved under the jurisdiction applicable to the user's location.

12. Contact

For questions about these terms: legal@toolmagik.com