Terms of Service

1. Acceptance of Terms

By accessing or using toolnotch.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please stop using the Site immediately.

These terms apply to all visitors, users, and anyone who accesses or uses ToolNotch's services. We reserve the right to update these terms at any time, and continued use of the Site after such changes constitutes your acceptance of the new terms.

2. Use of Tools

All ToolNotch tools are provided free of charge for informational and personal use. You may use them without creating an account or providing any personal information. Most tools operate entirely in your browser — no file or data you enter is transmitted to our servers.

You agree not to use the Site for any illegal purpose, not to attempt to reverse-engineer or scrape our tools at scale, and not to interfere with the normal operation of the Site in any way.

3. No Financial Advice

ToolNotch's financial tools — including loan calculators, mortgage calculators, amortization schedules, and related instruments — are provided for general estimation and educational purposes only. Results are based on the data you enter and standard mathematical formulas; they do not account for your personal financial situation, creditworthiness, local regulations, or other individual factors.

Nothing on this Site constitutes financial, investment, tax, or legal advice. You should not make any financial decision based solely on the output of these tools. Before taking any significant financial action, consult a qualified, licensed financial advisor.

4. No Medical Advice

ToolNotch's health tools — including the BMI calculator, TDEE calculator, and calorie deficit calculator — are provided for general wellness awareness and educational purposes only. Results are estimates based on widely used formulas (such as Mifflin-St Jeor) and do not account for your individual medical history, conditions, medications, or other clinical factors.

Nothing on this Site constitutes medical advice, diagnosis, or treatment. Do not use these tools as a substitute for professional medical care. Always consult a qualified healthcare provider before making changes to your diet, exercise regimen, or health routine.

5. No Warranties

ToolNotch and its tools are provided "as is" and "as available" without warranties of any kind, express or implied. We make no representations or guarantees regarding the accuracy, completeness, or reliability of any results generated by the tools. Calculated results may differ from figures provided by financial institutions, healthcare professionals, or other authoritative sources.

6. Intellectual Property

All tool code, design, written content, and branding on toolnotch.com are the intellectual property of ToolNotch and are protected by applicable copyright and trademark laws. You may not reproduce, redistribute, or use any part of this Site for commercial purposes without our prior written permission.

7. Limitation of Liability

To the fullest extent permitted by applicable law, ToolNotch shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, any tool or content on this Site. This includes, without limitation, any financial loss, health outcome, or other decision made based on tool results.

8. Changes to Terms

We may revise these Terms of Service periodically. Updated terms will be posted on this page with a revised "Last updated" date. Continued use of ToolNotch after such changes constitutes your binding acceptance of the updated terms.

9. Contact

If you have questions about these Terms of Service, please contact us through our contact page.