Terms of Service

Last Updated: January 1, 2025 • Please Read Carefully

Development Agency: FinSecureTech AI • Owner: Sukdev Yadav • Location: Amethi, Uttar Pradesh, India • Legal Compliance
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Important Disclaimer
Educational Tools Only

We are NOT HR professionals, lawyers, or financial advisors. Calculators provide estimates only.

Always verify calculations with your HR department.

1. Acceptance of Terms

Welcome to MyPtoCalculator.com ("Service"). By accessing our website, you agree to these Terms.

If you don't agree, please don't use our Service.

Service: PTO calculator tools, content, features

User: Anyone accessing our Service

Content: All text, calculators, data, information

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2. Description of Service

We provide free online calculators for Paid Time Off (PTO) calculations:

  • PTO balance calculators
  • Accrual rate calculators
  • PTO payout calculators
  • Hours to days converters
  • Educational content
Nature of Service

Our calculators are tools for estimation and planning. Results are approximate.

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3. User Responsibilities

You agree to:

  • Use Service for lawful purposes only
  • Not hack, disrupt, or overload systems
  • Not use automated access systems
  • Not copy/distribute content without permission
  • Provide accurate calculator inputs

Age Requirements: Must be at least 13 years old.

Prohibited Activities

• Violate laws or regulations
• Impersonate others
• Interfere with Service
• Harass or harm others
• Scrape data without permission

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4. Intellectual Property

We own:

  • Calculator designs and interfaces
  • Text, graphics, logos
  • Software code and algorithms
  • Website design and layout

Limited License: You may access and use Service for personal, non-commercial purposes.

You may NOT:

  • Copy, modify, or create derivative works
  • Use content for commercial purposes
  • Reverse engineer software
  • Remove copyright notices
  • Use brand names/logos without permission
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5. Disclaimers
No Professional Advice

We are NOT HR professionals, lawyers, financial advisors, tax professionals, or employment experts.

Accuracy of Calculations:

  • Results are estimates only
  • Actual calculations vary by company
  • Laws and policies change
  • No 100% accuracy guarantee
No Warranties

Service provided "AS IS" without warranties of merchantability, fitness, accuracy, or availability.

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6. Limitation of Liability

We are NOT liable for:

  • Direct, indirect, or consequential damages
  • Loss of profits, data, opportunities
  • Personal injury or property damage
  • Errors in calculator results
  • Decisions based on calculator results
Maximum Liability: $50 USD

Our total liability shall not exceed $50 under any circumstances.

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7. Indemnification

You agree to defend and indemnify us against claims arising from:

  • Your use of Service
  • Your violation of these Terms
  • Your violation of laws/regulations
  • Your infringement of third-party rights
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8. Third-Party Services

Service may contain:

  • Links to third-party websites
  • Advertisements from third parties
  • Third-party integrations

We are NOT responsible for:

  • Third-party site content or practices
  • Transactions with third parties
  • Damages from third-party services

Google AdSense: We use Google AdSense for ads. Opt out: Google Ads Settings

9. Termination

We may terminate access without notice for:

  • Breach of these Terms
  • Violation of laws/regulations
  • Harmful or abusive behavior
  • Technical/security issues
  • At our discretion

Upon termination, your right to use Service ends immediately.

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10. Governing Law

Governing Law: Laws of United States and State of Delaware.

Dispute Resolution: Binding arbitration in Delaware.

Class Action Waiver

Disputes resolved individually, NOT in class actions.

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11. Changes to Terms

We may modify Terms at any time.

Material changes: 30 days' notice when possible.

Continued use = acceptance of changes.

Review Terms periodically. "Last Updated" date shows revision date.

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12. Miscellaneous

Entire Agreement: These Terms constitute entire agreement.

Severability: Invalid provisions don't affect others.

Waiver: Failure to enforce ≠ waiver of rights.

Assignment: You can't assign Terms without our consent.

Contact: legal@myptocalculator.com

Your Acceptance
By Using Our Service, You Agree

You acknowledge reading, understanding, and agreeing to these Terms.

If you don't agree, please discontinue use immediately.