Terms of Service

1. Acceptance of Terms

By accessing and using the DollarMiner website ("Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

These Terms constitute a legally binding agreement between you ("User") and DollarMiner regarding your use of our financial calculators, market data, and investment insights.

2. About the Website

DollarMiner is a financial tools website offering:

• Free financial calculators (investment, retirement, mortgage, etc.)
• Market data and financial information
• Investment insights and educational content
• Portfolio tracking tools

Our Service is provided free of charge for educational and informational purposes. We reserve the right to modify, suspend, or discontinue any part of the Service at any time.

3. No Financial Advice

DollarMiner does not provide financial advice. All content, tools, and data provided on this website are for informational and educational purposes only.

The information on this website should not be construed as:

• Investment recommendations or advice
• Financial planning guidance
• Tax advice
• Legal advice
• Recommendations to buy, sell, or hold any security

You should consult with a qualified financial advisor, tax professional, or legal counsel before making any financial decisions based on information from this website.

4. Calculators & Market Data Disclaimer

Financial Calculators

Our financial calculators provide estimates based on the inputs you provide. These are mathematical models and should not be considered precise predictions of future outcomes.

Calculator limitations include:

• Results are estimates only
• Do not account for all real-world variables
• Based on assumptions that may not hold true
• Should be verified with professional advice

Market Data

Market data provided on DollarMiner:

• May be delayed or contain errors
• Should be verified with primary sources
• Is for informational purposes only
• Is not suitable for trading decisions

We strive to provide accurate data but cannot guarantee its completeness, timeliness, or accuracy. Always verify critical data with official sources.

5. User Responsibilities / Acceptable Use

When using DollarMiner, you agree to:

• Use the Service only for lawful purposes
• Not attempt to compromise the security of the website
• Not use automated systems to access the Service excessively
• Not attempt to reverse engineer our tools or systems
• Not use the Service for commercial data collection without permission
• Respect our infrastructure and not overload our systems

Prohibited Activities

You may not:

• Use the Service to promote illegal activities
• Attempt to gain unauthorized access to systems or data
• Use bots, scrapers, or automated tools to collect data beyond reasonable personal use
• Misrepresent the origin of any content
• Interfere with other users' enjoyment of the Service

6. Intellectual Property

All content on DollarMiner, including but not limited to:

• Website design and layout
• Calculator algorithms and interfaces
• Written content and articles
• Graphics and visual elements
• Branding and logos

is owned by DollarMiner or its licensors and is protected by copyright and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include:

• Resale or commercial use of the Service
• Collection and use of any product listings or descriptions
• Derivative use of the Service or its contents
• Use of data mining or similar data gathering tools

7. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by DollarMiner.

We have no control over, and assume no responsibility for:

• The content, privacy policies, or practices of third-party websites
• The accuracy of information on third-party websites
• Any damages or losses caused by third-party websites

You acknowledge and agree that DollarMiner shall not be responsible or liable for any content or services available on third-party websites.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permissible by law, DollarMiner disclaims all warranties, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability of information
• Uninterrupted or error-free operation

We do not warrant that the Service will meet your requirements, be available uninterrupted, or be error-free.

9. Limitation of Liability

To the maximum extent permitted by law, in no event shall DollarMiner, its directors, employees, or agents be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your use or inability to use the Service
• Any errors or omissions in any content
• Any unauthorized access to or use of our servers

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

Financial Decision Liability

DollarMiner shall not be liable for any financial losses, investment decisions, or other actions taken based on information from our Service. You assume full responsibility for any financial decisions you make.

10. Indemnification

You agree to defend, indemnify, and hold harmless DollarMiner and its licensees and licensors from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from:

• Your use of and access to the Service
• Your violation of these Terms
• Your violation of any third-party right
• Any content you submit to the Service

This indemnification obligation will survive these Terms and your use of the Service.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Toronto, Ontario, and you hereby consent to personal jurisdiction in such courts.

13. Contact