Terms of Service

By accessing or using ToolNest (the “Service”) at https://toolsnest.me, you agree to these Terms of Service. If you do not agree, please do not use the Service.

These terms apply to all visitors, including those who use tools without creating an account. There is no account system on ToolNest.

ToolNest provides free, browser-based finance and tax calculators for mortgages, loans, refinancing, debt payoff, savings and sales tax or VAT. Every calculator is provided free of charge and the site is funded by display advertising.

We may add, modify, suspend or discontinue any calculator at any time. Every calculator currently published on the site is live and fully functional; we do not list tools that are unavailable for use.

You agree not to use the Service to:

• violate any applicable law or regulation in your jurisdiction;
• infringe the intellectual property, privacy or other rights of any person;
• attempt to gain unauthorised access to the Service, its servers or any connected system;
• interfere with the operation of the Service, including through automated scraping, denial-of-service attempts or excessive request volume;
• reverse-engineer or redistribute the Service as a competing product;
• use the Service to process content that is unlawful, defamatory, or that you do not have the right to process.

We may restrict or block access where we reasonably believe these rules have been broken.

We work to make every tool correct, and we document the method each one uses. However, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied.

You are responsible for verifying results before relying on them, particularly for:

• financial calculations — loan, mortgage and interest figures are estimates and are not financial advice;
• health calculations — BMI and calorie figures are informational and are not medical advice;
• developer output — generated JSON, regex, hashes and configuration should be tested before deployment;
• SEO output — generated markup and robots.txt files should be reviewed before being applied to a live site.

Nothing on ToolNest constitutes financial, legal, medical, tax or professional advice. Content and tool output are provided for general informational purposes only. Consult a qualified professional before making decisions with legal, financial or health consequences.

The ToolNest name, logo, site design, written content and underlying code are owned by ToolNest and are protected by copyright and other intellectual-property laws.

Your input remains yours. We claim no ownership over any text, file or data you process using a tool. Because processing happens in your browser, we never receive a copy in the first place.

Your output is yours. You may use the results a tool produces for any lawful purpose, including commercial work, without attribution.

The Service displays advertising, primarily through Google AdSense. Ads are labelled and are kept outside the working area of a tool. We are not responsible for the content of third-party advertisements or the practices of advertisers. See our Privacy Policy and Cookie Policy for how advertising cookies are handled.

The Service may link to third-party websites. Those sites are not under our control, and we are not responsible for their content, accuracy or privacy practices. Following an external link is at your own risk.

We aim to keep the Service available, but we do not guarantee uninterrupted access. Maintenance, updates or circumstances beyond our control may cause downtime. We may change or remove features at any time without notice.

To the fullest extent permitted by law, ToolNest and its operators shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data, goodwill or business opportunity, arising out of or relating to your use of the Service.

Because the Service is provided free of charge, our total aggregate liability to you for any claim arising from the Service shall not exceed the greater of (a) the amount you paid us to use the Service, which is zero, or (b) the minimum amount required by applicable law.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, or for fraud.

You agree to indemnify and hold harmless ToolNest and its operators from any claim, loss or expense (including reasonable legal fees) arising from your breach of these terms or your misuse of the Service.

These terms are governed by the laws of England and Wales, without regard to conflict-of-law principles. Nothing in this clause removes any mandatory consumer protection rights you have under the law of your country of residence in the EU or the UK.

We may revise these terms from time to time. The “last updated” date at the top of this page reflects the current version. Continued use of the Service after a change constitutes acceptance of the revised terms.

Questions about these terms? Email legal@toolnest.io.