Terms of Service

By accessing and using netPinoy Apps Platform ("the Platform"), you accept and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the Platform.

These terms apply to all visitors, users, and others who access or use the Platform.

netPinoy Apps Platform is a collection of free, client-side calculator applications designed for the Philippine context. The Platform includes:

• Financial calculators (mortgage, loan amortization, etc.)
• Health calculators (BMI, calorie, body fat, etc.)
• Other utility tools for everyday use

All calculations are performed locally in your web browser. No data is transmitted to our servers.

The calculators and information provided on the Platform are for informational and educational purposes only. They are not intended as:

• Financial advice or investment recommendations
• Medical advice or health recommendations
• Legal advice or professional consultation
• Tax advice or accounting guidance

Always seek advice from qualified professionals for important decisions regarding your finances, health, or legal matters.

The Platform is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, completeness, or reliability
• Warranties of uninterrupted or error-free operation
• Warranties that the Platform will meet your requirements

We do not warrant that the calculations are error-free or that results are accurate for your specific situation.

To the maximum extent permitted by law, netPinoy Apps Platform and its operators shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, revenue, or data
• Damages resulting from use or inability to use the Platform
• Decisions made based on calculator results
• Errors, omissions, or inaccuracies in calculations

This limitation applies even if we have been advised of the possibility of such damages.

As a user of the Platform, you agree to:

• Use the Platform only for lawful purposes
• Not attempt to disrupt or interfere with the Platform
• Not use the Platform in any way that could damage, disable, or impair it
• Verify calculator results with qualified professionals for important decisions
• Understand that results are estimates only

You are solely responsible for any decisions you make based on calculator results.

The Platform, including its design, layout, code, and content, is protected by copyright and other intellectual property laws.

You may:

• Use the Platform for personal, non-commercial purposes
• Share links to the Platform
• Use calculator results for your personal needs

You may not:

• Copy, modify, or distribute the Platform without permission
• Use the Platform for commercial purposes without authorization
• Reverse engineer or attempt to extract source code

We reserve the right to modify or replace these Terms of Service at any time. If we make significant changes, we will update the "Last Updated" date at the top of this page.

Your continued use of the Platform after any changes constitutes acceptance of the new terms.

We encourage you to review these terms periodically for any updates.