Terms of Service

Last Updated: October 15, 2025

By using thy.finance, you agree to these terms. They're written in plain English, not legalese.

1. Acceptance of Terms

By accessing or using thy.finance calculators, you agree to be bound by these Terms of Service and our Privacy Policy. If you don't agree, please don't use our services.

2. Description of Service

thy.finance provides free, web-based financial calculators for personal use. Our calculators help you:

• Estimate investment returns and retirement savings
• Calculate mortgage payments and loan amortization
• Plan savings goals and emergency funds
• Analyze business finances and break-even points
• Compare financial scenarios

All calculations run in your web browser. We don't store your financial information.

3. Personal Use License

Free for personal use: You may use thy.finance calculators for free for personal, non-commercial purposes.

Commercial use requires licensing: If you want to:

• Embed our calculators in your commercial website or app
• Resell or redistribute our calculators
• Use our calculators as part of paid financial advisory services
• White-label our calculators for your business

Please contact business@thy.finance for licensing options.

4. Not Financial Advice

IMPORTANT: thy.finance calculators are educational tools, not professional financial advice.

• We don't provide personalized financial advice
• Calculator results are estimates based on your inputs
• Results may not reflect your specific tax situation or circumstances
• Past performance doesn't predict future returns
• You should consult qualified financial advisors before making major financial decisions

See our Disclaimer for more details.

5. No Warranty

thy.finance calculators are provided "as is" without warranties of any kind, either express or implied. While we strive for accuracy and run 1,000+ automated tests, we don't guarantee:

• Calculation results are error-free
• The service will be uninterrupted or bug-free
• Results will meet your specific needs
• Calculators are suitable for any particular purpose

If you find calculation errors, please report them to bugs@thy.finance. We investigate all bug reports, but we can't guarantee immediate fixes.

6. Limitation of Liability

To the fullest extent permitted by law, thy.finance and its operators shall not be liable for:

• Any financial losses resulting from using our calculators
• Decisions made based on calculator results
• Errors or inaccuracies in calculations
• Service interruptions or downtime
• Indirect, incidental, or consequential damages

You use thy.finance calculators at your own risk. Always verify important calculations with professional financial advisors.

7. User Conduct

You agree not to:

• Attempt to hack, disrupt, or overload our servers
• Use automated tools to scrape or download our site
• Reverse engineer our calculators to steal proprietary formulas
• Remove copyright notices or branding from our calculators
• Use our service for any illegal purposes

We reserve the right to block access for violations of these terms.

8. Intellectual Property

thy.finance owns all rights to our website design, calculator implementations, branding, and content. You may not:

• Copy or reproduce our calculators without permission
• Use our name, logo, or branding without authorization
• Claim our work as your own

For licensing inquiries, contact business@thy.finance.

9. Third-Party Links

thy.finance may contain links to third-party websites or resources. We're not responsible for:

• Content on external websites
• Privacy practices of third-party sites
• Accuracy of information on linked sites

Use third-party links at your own risk.

10. Modifications to Service

We reserve the right to:

• Modify or discontinue any calculator at any time
• Change default values based on market conditions
• Update calculation methods for improved accuracy
• Add new features or remove outdated ones

We'll do our best to maintain backwards compatibility, but we don't guarantee it.

11. Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with a new "Last Updated" date.

Continued use of thy.finance after changes constitutes acceptance of the new terms.

12. Termination

You may stop using thy.finance at any time. We may terminate or suspend access for violations of these terms without notice.

13. Governing Law

These terms are governed by the laws of the United States. Any disputes will be resolved in the courts of [Your Jurisdiction].

14. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full effect.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and thy.finance.

Contact

Questions about these terms? Contact us at legal@thy.finance.

These terms are effective as of October 15, 2025