1. Acceptance of Terms

You accept these Terms of Use and our Privacy Policy by visiting and utilizing the GearsKit website, calculators, and services. Please stop using right away if you disagree with any part of it.

2. Service Description

GearsKit provides:

• Financial calculators (EMI, affordability, amortization)
• Educational financial content
• Newsletter subscriptions
• Customer support services

3. User Responsibilities

Acceptable Use

You agree to use our services:

• For personal, non-commercial purposes
• In compliance with all applicable laws
• Without attempting to disrupt or compromise our services
• Without automated data scraping without permission

Prohibited Activities

You may not:

• Use our services for illegal purposes
• Attempt to reverse engineer our algorithms
• Misrepresent calculation results as guaranteed offers
• Use our services to provide competing services
• Submit false or misleading information

4. Intellectual Property

Our Rights

GearsKit owns and retains all intellectual property rights to:

• Website design, layout, and user interface
• Financial calculation algorithms and methodologies
• Brand names, logos, and trademarks
• Content, documentation, and educational materials

Your Rights

Your personal data is still yours, and you are free to use the results of the calculations for your own financial planning. Written consent is required before using our tools or results for commercial purposes.

5. Limitation of Liability

To the fullest extent permitted by law:

• GearsKit provides services "as is" without warranties
• We are not liable for financial decisions made based on our tools
• We don't guarantee uninterrupted or error-free service
• Total liability is limited to the amount you paid for services (currently $0)

All claims, whether based on tort, breach of contract, or any other legal theory, are subject to this restriction.

6. Account Terms (If Applicable)

Accounts are not needed for the majority of features, but for any upcoming account-based features:

• You must provide accurate registration information
• You are responsible for account security
• We may suspend accounts violating these terms
• You may delete your account at any time

7. Third-Party Links and Services

Links to external websites or services may be found on our website. We

• Are not liable for the actions or content of third parties.
• Unless specifically mentioned, do not recommend third-party services.
• Reviewing third-party terms and privacy policies is advised.

8. Service Modifications and Termination

We reserve the right to:

• Modify, suspend, or discontinue any service
• Update these terms with notice to users
• Terminate access for violations of these terms

9. Governing Law and Dispute Resolution

Governing Law

Regardless of conflict of law principles, the laws of [Your Jurisdiction] govern these terms.

Dispute Resolution

Before filing any legal action, you agree to:

• Notify us of the dispute in writing
• Participate in good-faith negotiations for 30 days
• Consider mediation if negotiations fail

10. General Provisions

Severability: The remaining provisions remain in force even if one is deemed invalid.

Assignment: We may transfer our rights to successors; you are not permitted to do so.

Entire Agreement: The whole agreement between you and GearsKit is contained in these terms.

11. Contact Information

For questions about these terms: