1. Acceptance of Terms

By accessing and using ToolsShop.net, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our website.

  1. Services Provided

This website offers free online calculators, including but not limited to:

These tools are designed to assist users in making informed financial decisions related to mortgages, real estate, and finance.

  1. Use of Content

All content, including calculators, text, graphics, logos, and images, is the property of this website and is protected by applicable intellectual property laws. Users are granted a limited, non-exclusive license to use the content for personal, non-commercial purposes. Any other use, including reproduction or distribution, without prior written consent, is prohibited.

  1. Disclaimer of Warranties

The tools and information provided are for informational purposes only. While we strive for accuracy, we do not guarantee the completeness or reliability of any content. Users should consult with a qualified financial advisor before making any financial decisions. Use of this website is at your own risk.

  1. Limitation of Liability

This website, its affiliates, and contributors shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use the tools, even if we have been advised of the possibility of such damages.

  1. User Conduct

Users agree not to:

  • Use the website for unlawful purposes.
  • Attempt to gain unauthorized access to our systems.
  • Introduce malicious software or harmful data.
  • Engage in any activity that disrupts its functionality.
  1. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

  1. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting. Continued use of the website constitutes acceptance of the revised terms.

  1. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the jurisdiction in which this website operates, without regard to its conflict of law principles.

  1. Dispute Resolution

In the event of any dispute arising from or related to the use of this website, the parties agree to first attempt to resolve the issue through informal negotiations. If the dispute is not resolved within 30 days, it shall then be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. Each party will bear its own costs associated with the arbitration.

  1. Contact Information

For any questions or concerns regarding these Terms and Conditions, please contact us at: