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.

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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

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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

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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.