Effective date: June 16, 2026
By accessing or using TVM Calculator ("the Site") at tvm-calc.com, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use the Site.
TVM Calculator is a free, browser-based financial calculator that computes time value of money values — including present value (PV), future value (FV), periodic payment (PMT), interest rate (I/YR), and number of periods (N). All calculations are performed locally in your browser. No data is sent to or stored on our servers.
You may use the Site for personal, educational, or professional financial calculations. You agree not to:
The calculations provided by TVM Calculator are for informational and educational purposes only. While we strive for accuracy, we make no warranties or guarantees regarding the correctness of any calculation results. The Site should not be used as the sole basis for financial decisions. Always verify results with a qualified financial professional before making investment, loan, or other financial decisions.
To the fullest extent permitted by law, TVM Calculator and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:
This limitation of liability applies regardless of the legal theory under which such damages are sought, whether in contract, tort, negligence, strict liability, or otherwise.
You agree to indemnify and hold harmless TVM Calculator and its operators from any claims, damages, losses, liabilities, or expenses arising from your use of the Site or your violation of these Terms of Service.
All content on the Site, including but not limited to text, graphics, logos, icons, code, and design, is the property of TVM Calculator or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from the Site without our prior written consent.
The Site displays advertisements through Google AdSense. These advertisements are provided by third-party advertisers and are not endorsements by TVM Calculator. We do not control the content of third-party advertisements and are not responsible for any claims, representations, or offers made in those advertisements. Interactions with advertisers are solely between you and the advertiser.
The Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of any third-party sites. Your use of any third-party service is at your own risk and subject to that service's own terms and policies.
We reserve the right to modify, suspend, or discontinue the Site or any part of it at any time without notice. We shall not be liable for any modification, suspension, or discontinuation of the Site.
We may update these Terms of Service from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes acceptance of the revised terms.
These Terms of Service shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from these terms or your use of the Site shall be resolved in the appropriate courts.
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect.
These Terms of Service constitute the entire agreement between you and TVM Calculator regarding your use of the Site and supersede any prior agreements.
If you have questions about these Terms of Service, please contact us at [email protected] or visit our Contact page.