Terms of Service

1. Acceptance of Terms

By accessing and using SmartCalcTools, you accept and agree to be bound by the terms and provisions of this agreement.

2. Educational & Informational Purpose Only

The tools provided on this website, including but not limited to the Islamic Finance Calculators (Zakat, Murabaha, Mudarabah, Islamic FIRE), are for educational and informational purposes only.

**No Financial or Religious Advice:** We are not certified financial planners, nor are we Islamic scholars (Muftis). The results generated by our calculators are mathematical approximations based on general guidelines (e.g., AAOIFI standards). You must consult a qualified scholar or financial advisor before making actual financial decisions.

3. 'As Is' Service

Our services are provided 'as is' without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, or non-infringement. We are not liable for any calculation errors or direct/indirect damages arising from the use of our tools.

Intellectual Property Rights

All content, articles, designs, and source codes available on SmartCalcTools are the exclusive intellectual property of the website. Copying, reproducing, or distributing any of our materials without prior written permission is strictly prohibited. Sharing links to our calculators and articles on social media is freely permitted.

Limitation of Liability

In no event shall SmartCalcTools, nor its developers or agents, be liable for any direct, indirect, incidental, or consequential damages arising out of your use of the calculators and tools on the website. The information and tools are provided 'as is' without any express or implied warranties.

Governing Law

These terms shall be governed and construed in accordance with internationally recognized intellectual property laws and internet usage rules, without regard to its conflict of law provisions. Your use of the website constitutes your absolute agreement to these terms.