Terms of Service

Acceptance of Terms

By accessing and using Time is Money Calculator ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

Service Description

The Service is a web-based calculator that converts monetary costs into time equivalents based on user-input income data. The Service is provided free of charge and is intended for personal, non-commercial use.

Disclaimer of Warranties

Important Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE CALCULATIONS. ALL FINANCIAL DECISIONS SHOULD BE MADE IN CONSULTATION WITH QUALIFIED FINANCIAL ADVISORS.

The calculations provided are estimates based on the inputs you provide. Actual financial outcomes may vary based on taxes, deductions, and other factors not accounted for in this simplified model.

Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

User Responsibilities

You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Service.

Intellectual Property

All content, features, and functionality of the Service are owned by us and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, create derivative works of, publicly display, publicly perform, republish, or transmit any of the material on our Service without prior written consent.

Third-Party Services

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

Termination

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

Governing Law

These Terms shall be governed and construed in accordance with the laws of Brazil, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

Contact Us

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