Terms of Service

1. Acceptance of Terms

Welcome to ToolsmithPro.com (the "Website"). By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service (the "Terms") and our Privacy Policy. If you do not agree to these Terms, please immediately discontinue use of our site and its tools.

2. Permitted Use & License

ToolsmithPro grants you a personal, non-transferable, non-exclusive, revocable license to access and use the Website's online utility tools and calculators strictly for your own personal or commercial purposes. You agree not to:

• Scrape, duplicate, decompile, or reverse-engineer the JavaScript mathematical logic of any tool without written authorization.
• Use our utilities to perform automated spamming, bulk programmatic processing, or denial-of-service attempts.
• Frame the Website or hotlink directly to our internal assets in a manner that misrepresents ownership.

3. Disclaimer of Accuracy & Warranties

The tools, calculators, and guidelines provided on ToolsmithPro are offered strictly **"as is" and "as available"** without warranty of any kind, express or implied. While we strive to implement industry-standard mathematical formulas and coding practices, we make no representations concerning the accuracy, completeness, or reliability of the results obtained.

Financial Tools: Calculations regarding mortgage payments, EMIs, salaries, GST, and compound interest are estimates only. They do not constitute financial advice, tax planning, or loan approvals. Consult a certified financial planner or accountant before making significant financial commitments.

Health & Fitness Tools: Health estimations (such as BMI, calorie requirements, and water intake) are based on general demographic formulas (like Mifflin-St Jeor and Devine). They do not represent medical diagnoses, diet plans, or clinical recommendations. Always consult a healthcare professional or qualified physician for medical guidance.

4. Limitation of Liability

In no event shall ToolsmithPro, its founder Sanjeev Nair, or its contributors be liable for any damages whatsoever (including, without limitation, direct, indirect, incidental, special, consequential, or punitive damages, or damages for loss of profits, data, or business interruption) arising out of the use, misuse, or inability to use the Website, even if we have been advised of the possibility of such damages.

5. Governing Law

These Terms of Service and any dispute arising out of or related to your use of this Website shall be governed by and construed in accordance with the laws of California, United States, without regard to its conflict of law principles.

6. Modifications to Terms

We reserve the right, at our sole discretion, to modify, update, or replace any part of these Terms at any time. Any changes will be posted directly to this page and will take effect immediately upon publication. Your continued use of the Website following any updates constitutes acceptance of the new Terms.