OptiFin

Terms of Service

Last updated: September 2026

1. Acceptance of Terms

By accessing or using OptiFin ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

OptiFin provides free financial calculators and educational information. Calculations run in your browser using the information you enter and the assumptions described by each tool. No account is required; OptiFin does not offer paid plans or subscriptions or save calculation history. Optional donations can be made through Ko-fi; they are voluntary, are processed by Ko-fi under its own terms, and do not unlock any features. Anonymous page-visit counts are collected with GoatCounter as described in the Privacy Policy.

3. Important Disclaimers

OptiFin is for educational and informational purposes only. The Service:

  • Does not provide personalized financial, tax, legal, or investment advice
  • Is not a substitute for consultation with qualified professionals
  • Makes calculations based on general assumptions that may not apply to your specific situation
  • Does not guarantee any specific financial outcomes

Always consult with a qualified financial advisor, tax professional, or other appropriate expert before making important financial decisions.

4. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to the Service
  • Interfere with or disrupt the Service
  • Scrape or collect data from the Service without permission
  • Resell or redistribute the Service without authorization

5. Intellectual Property

All content, features, and functionality of the Service are owned by OptiFin and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute our content without permission.

6. Limitation of Liability

To the maximum extent permitted by law, OptiFin 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, or other intangible losses resulting from your use of the Service.

7. Changes to Terms

We may modify these terms at any time. We will provide notice of material changes by posting the updated terms and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new terms.

8. Contact

For questions about these Terms of Service, please contact us at contact@optifin.now.