📋 Terms of Service

1. Acceptance of Terms

By accessing and using MarginFormula.com ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website located at marginformula.com (the "Service") operated by MarginFormula ("us", "we", or "our").

2. Description of Service

MarginFormula.com provides free online business calculators and financial analysis tools, including:

• Profit margin calculators
• Gross margin calculators
• Net margin calculators
• Markup vs margin calculators
• Break-even analysis tools
• Educational content and industry benchmarks
• Business planning resources

Our service is provided free of charge and is intended for informational and educational purposes.

3. User Responsibilities

Acceptable Use

You agree to use our Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers
• Upload viruses or malicious code
• Spam, harass, or abuse other users
• Violate any applicable local, state, national, or international law

Accuracy of Information

You are responsible for:

• Providing accurate input data for calculations
• Verifying calculation results before making business decisions
• Understanding the limitations of our calculators
• Seeking professional advice when appropriate

4. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of MarginFormula and its licensors. The Service is protected by copyright, trademark, and other laws.

Your License to Use

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our calculators for personal or business purposes
• View and download content for personal reference
• Share links to our calculators with others

Restrictions

You may not:

• Copy, modify, or distribute our calculator code
• Create derivative works based on our Service
• Reverse engineer or attempt to extract source code
• Remove copyright or proprietary notices
• Use our content for commercial purposes without permission

5. Disclaimers and Limitations

No Financial Advice

Our calculators and content:

• Are not a substitute for professional financial advice
• Do not constitute investment recommendations
• Should not be relied upon for major business decisions
• May not be suitable for all business situations

Accuracy Disclaimer

While we strive for accuracy, we make no warranties that:

• Calculations will be error-free or accurate
• Industry benchmarks are current or applicable
• Information is complete or up-to-date
• Results will meet your specific needs

Limitation of Liability

In no event shall MarginFormula, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

Calculation Privacy

Important privacy protections for your financial data:

• Calculation inputs are processed locally in your browser
• Financial data is never transmitted to our servers
• We do not store your calculation results
• Your business information remains completely private

7. Third-Party Services

Our Service may contain links to third-party websites or services that are not owned or controlled by MarginFormula. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Analytics and Advertising

We may use third-party services for:

• Website analytics and performance monitoring
• Advertising and revenue generation
• User experience improvement
• Security and fraud prevention

8. Modifications to Service

We reserve the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Service.

9. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your use of the Service, you may simply discontinue using the Service.

10. Indemnification

You agree to defend, indemnify, and hold harmless MarginFormula and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

11. Governing Law

These Terms shall be interpreted and governed by the laws of the jurisdiction in which MarginFormula operates, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Changes will be communicated through:

• Updated "Last Updated" date on this page
• Prominent notice on our website
• Email notification (if applicable)

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

14. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: [email protected]
• Support: [email protected]
• Website: Contact Form