Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using Spendzila.com (“the Site,” “we,” “us,” “our”), you confirm that you have read, understood, and agree to be bound by these Terms of Service and all applicable laws and regulations.

If you do not agree with any part of these terms, you must not use this website. Your continued use of the Site after any changes to these Terms constitutes your acceptance of the updated Terms. These Terms apply to all visitors, users, and others who access or use Spendzila.com.

2. Description of Service

Spendzila.com provides free online financial calculators, planning tools, and educational content including but not limited to:

• Budget trackers and expense planners
• EMI (Equated Monthly Installment) calculators
• SIP (Systematic Investment Plan) calculators
• Mortgage and home loan calculators
• Tax estimators and income tax calculators
• Retirement planning tools
• Debt payoff calculators and net worth calculators
• Personal finance blog articles and educational guides

All tools and content are provided free of charge and without any registration requirement. Spendzila reserves the right to modify, suspend, or discontinue any part of the service at any time without notice.

3. Not Financial Advice — Important Disclaimer

Nothing on Spendzila.com constitutes or should be construed as financial, investment, trading, tax, legal, or accounting advice. Calculator results are estimates only, based on your inputs and standard mathematical formulas. Actual results may differ significantly.

You should always consult a qualified Certified Financial Planner (CFP), CPA, or licensed financial professional before making any significant financial decision including taking out loans, making investments, planning for retirement, or managing debt.

4. Permitted and Prohibited Use

You May:

• Use all tools and calculators for personal, non-commercial purposes
• Share links to Spendzila pages on social media or other websites
• Reference Spendzila content for personal financial education

You May NOT:

• Copy, reproduce, or republish Spendzila content without written permission
• Use automated tools, bots, or scrapers to access the Site
• Attempt to hack, disrupt, or overload Site infrastructure
• Use the Site for any illegal or unauthorized purpose
• Misrepresent calculator results as professional financial advice
• Resell or commercially exploit any content or tools from this Site

5. Intellectual Property

All content on Spendzila.com — including text, articles, blog posts, tool designs, graphics, logos, icons, code, and the overall layout — is the exclusive property of Spendzila and protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent. Permission requests: legal@spendzila.com

6. Limitation of Liability

To the fullest extent permitted by applicable law, Spendzila, its founders, team members, affiliates, and partners shall NOT be liable for any direct, indirect, incidental, or consequential damages including:

• Financial losses arising from use of or reliance on calculator results
• Losses resulting from errors, omissions, or inaccuracies in content
• Damages from interruption, suspension, or termination of services
• Any loss of data, profit, revenue, or goodwill

The Site is provided on an “as is” and “as available” basis without warranties of any kind. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.

7. Third-Party Links

Spendzila.com may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content, privacy practices, or accuracy of third-party sites and accept no responsibility or liability for them. Accessing any third-party link is entirely at your own risk.

8. Advertising & Affiliate Disclosure

Spendzila.com displays advertisements through Google AdSense and other advertising networks. These ad partners may use cookies to display relevant ads. Ads are clearly labeled and do not constitute endorsements by Spendzila.

Spendzila may also participate in affiliate marketing programs. When you click on affiliate links and make a purchase, we may earn a commission at no additional cost to you. Affiliate relationships do not influence our editorial rankings or content. All material connections are disclosed in accordance with FTC guidelines.

9. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes take effect immediately upon posting to the Site. We will update the “Last Updated” date at the top of this page. Your continued use of Spendzila after changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws. Any disputes arising under these Terms shall first be attempted to be resolved through good-faith negotiation. If a dispute cannot be resolved, it shall be submitted to binding arbitration.

11. Contact Information

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