Terms of Service

Effective date: October 1, 2026

1. Acceptance of these terms

By accessing or using planmetrics.xyz (the "Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.

2. What PlanMetrics provides

PlanMetrics provides free planning calculators and informational guides for general planning purposes. No account or payment is required to use the calculators or read the guides.

3. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose.
• Attempt to disrupt, overload, or gain unauthorized access to the Site or its servers.
• Scrape or bulk-copy the Site's content or tools without our written permission.
• Misrepresent the Site's calculators or guides as your own work.

4. Estimates are estimates

Calculator results are estimates based on the numbers you enter and on general assumptions explained on each page. Real-world costs and timelines vary. Always verify important figures independently before making financial or scheduling decisions.

5. Not professional advice

Nothing on this Site constitutes financial, legal, medical, or other professional advice. For advice about your specific situation, consult a qualified professional. See our Disclaimer for more detail.

6. Intellectual property

All calculators, guides, images, and design elements on the Site are owned by PlanMetrics unless stated otherwise. You may share links to our pages freely; you may not republish our content without permission.

7. Third-party links and advertisements

The Site may contain links to third-party websites and advertisements served by third parties (including Google AdSense). We do not control and are not responsible for third-party content, products, or practices.

8. No warranties

The Site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, reliability, or fitness for a particular purpose.

9. Limitation of liability

To the maximum extent permitted by law, PlanMetrics and its operator will not be liable for any indirect, incidental, or consequential damages arising from your use of the Site.

10. Changes to these terms

We may update these terms at any time; the current version will be posted on this page with its effective date. Continued use of the Site after changes means you accept the updated terms.

11. Contact

Questions about these terms: contact@planmetrics.xyz.