Terms of Service

By accessing or using QFINHUB (“the Platform,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to all of these Terms, you must not access or use the Platform.

These Terms apply to all visitors, users, and others who access or use the Platform (“Users”). By using the Platform, you represent that you are at least 18 years of age or have the consent of a parent or guardian.

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Platform after any changes constitutes acceptance of the updated Terms.

QFINHUB provides a comprehensive suite of financial tools, including but not limited to:

• Financial calculators covering loans, investments, retirement, taxes, and more
• An AI-powered financial specialist that generates custom calculators and analysis
• Embeddable calculator widgets for third-party websites
• Dashboard and save features for tracking calculations
• Multi-language support across English, Spanish, and Hindi

The Platform is provided for informational and educational purposes only. It is not a substitute for professional financial advice, and no calculator, AI-generated output, or analysis should be construed as financial, legal, or tax advice.

As a condition of using the Platform, you agree to:

• Provide accurate, current, and complete information when required
• Use the Platform only for lawful purposes and in accordance with these Terms
• Not misuse the Platform by knowingly introducing viruses, overload the infrastructure, or attempt to gain unauthorized access
• Not use any automated means (bots, scrapers, crawlers) without our express written permission
• Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Platform without authorization
• Be responsible for all activity occurring under your account

You are solely responsible for any decisions you make based on calculations or information obtained through the Platform. We encourage you to consult with a qualified financial professional before making any financial decisions.

Certain features of the Platform may require account registration. When you create an account, you agree to:

• Provide accurate, complete, and up-to-date registration information
• Maintain and promptly update your account information as needed
• Keep your password secure and confidential
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or that we determine, in our sole discretion, to be used inappropriately.

The Platform and its entire contents, features, and functionality (including but not limited to all software, code, text, graphics, logos, icons, images, audio clips, and the design, selection, and arrangement thereof) are owned by QFINHUB, its licensors, or other providers and are protected by copyright, trademark, patent, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal or internal business purposes. This license does not permit you to:

• Modify, distribute, or create derivative works of any Platform content
• Use any trademarks, service marks, or logos without prior written consent
• Remove any copyright or proprietary notices from Platform materials
• Frame or mirror any part of the Platform on other websites

All rights not expressly granted to you in these Terms are reserved by QFINHUB and its licensors.

IMPORTANT DISCLAIMER — NO FINANCIAL ADVICE

QFINHUB is a tool platform designed for informational and educational purposes only. The content, calculators, AI-generated analyses, and any other materials available on the Platform do not constitute financial advice, investment advice, tax advice, legal advice, or any other professional advice.

You should not make any financial decisions based solely on information from QFINHUB. Always seek the advice of a qualified financial advisor, tax professional, or legal professional with any questions you may have regarding your financial situation.

Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Platform will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Platform or the servers that make it available are free of viruses or other harmful components.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL QFINHUB, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE PLATFORM.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

QFINHUB features an AI-powered financial specialist that generates custom calculators, analyses, and responses based on user input. By using this feature, you acknowledge and agree to the following:

• No Guarantee of Accuracy: AI-generated content is produced by machine learning models and may contain errors, inaccuracies, or omissions. It should not be relied upon as factually accurate or complete.
• Not Financial Advice: AI-generated outputs do not constitute financial, investment, tax, or legal advice. You are solely responsible for verifying any AI-generated information before acting on it.
• No Professional Relationship: Use of the AI specialist does not create a professional-client relationship of any kind.
• Data Handling: Inputs you provide to the AI specialist may be processed by third-party AI service providers. Do not share sensitive personal or financial information. Please see our Privacy Policy for more details.
• Limitations: The AI specialist may not understand complex, context-specific, or nuanced financial scenarios. It has knowledge cutoffs and may not reflect the most current regulatory or market conditions.

We may terminate or suspend your access to the Platform immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the Platform will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to intellectual property provisions, warranty disclaimers, limitation of liability, and governing law.

You may terminate your account at any time by discontinuing use of the Platform and, where applicable, deleting your account through the settings page or by contacting us.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any legal suit, action, or proceeding arising out of or relating to these Terms or the Platform shall be instituted exclusively in the federal or state courts located in Delaware, and you waive any objection to the exercise of jurisdiction over you by such courts and to venue in such courts.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us: