Terms of Service

Last updated: 27 July 2026

Estimates and templates only

The calculators on BusinessTools.Online produce estimates based on the numbers you enter and standard published formulas. Actual loan terms, tax obligations, payroll amounts, and financial outcomes may vary. The document generators produce general templates — they are a starting point, not a substitute for advice from a qualified accountant, tax professional, or attorney licensed in your jurisdiction.

Not financial, tax, or legal advice

Nothing on this site constitutes financial, tax, accounting, or legal advice, and no attorney-client or fiduciary relationship is created by using the tools. For decisions involving significant sums of money or legal exposure, consult a licensed professional.

Acceptable use

You may use the tools for personal or commercial purposes at no charge. You may not scrape the site at a rate that degrades service for other users, resell the tools as your own product, or use them to produce intentionally fraudulent documents.

Intellectual property

The site name, layout, code, and content are owned by BusinessTools.Online. Documents and calculation outputs you produce with the tools using your own data are yours to use freely.

No warranty; limitation of liability

The site is provided "as is" without warranty of any kind. To the maximum extent permitted by law, BusinessTools.Online is not liable for any loss, damage, or claim arising out of use of, or reliance on, the tools or their outputs.

Changes

We may update these terms occasionally. The "last updated" date at the top of this page reflects the latest revision. Continued use of the site after an update means you accept the revised terms.

Contact

Questions about these terms? Email info@businestools.online or use the Contact page.