Terms of Service
Please review these terms of service carefully before using the financial calculators and planning tools on ValuNox.
By using our website, you agree to these terms covering permitted use, intellectual property, and legal liability.
Permitted Personal & Business Use
ValuNox grants you free, non-exclusive access to use our financial calculators, valuation tools, and payment schedules for personal budgeting, academic study, and internal business planning.
You may calculate estimates, download schedules for your own records, and share calculation links with family members, colleagues, or financial advisors without subscription fees.
User Responsibilities & Fair Use
When using ValuNox, you agree to enter your own numbers and use our tools responsibly for lawful financial planning. You are responsible for reviewing your entries and confirming that the selected calculator fits your intended use.
You agree not to disrupt website operations, bypass security measures, or use automated tools to overload our pages or extract content in bulk.
Intellectual Property & Content Ownership
All calculator layouts, formula explanations, reference tables, and written guides published on ValuNox are protected intellectual property owned by ValuNox.
Republishing our written guides, duplicating our calculator interfaces on competing websites, or selling access to our tools is strictly prohibited without prior written consent.
Service Availability & Limitation of Liability
ValuNox provides all tools and written resources on an "as is" and "as available" basis without warranties of any kind, whether express or implied. While we carefully test every formula, we do not guarantee uninterrupted website availability or error-free calculations.
To the fullest extent permitted by law, ValuNox and its team shall not be liable for any financial losses, lending costs, tax penalties, or business damages arising from your use of, or inability to use, this website.
Updates to Tools & Terms
We regularly improve our calculators and may update these Terms of Service to reflect new features, revised tax thresholds, or legal requirements.
Any updates take effect as soon as they are posted on this page. For additional details on how our estimates work and how we protect your privacy, please review our Financial Disclaimer and Privacy Policy.