By accessing and using the WY Calculators Hub website ("Website"), you accept and agree to be bound by the terms and provision of this agreement. In addition, when using this Website's particular services, you shall be subject to any posted guidelines or rules applicable to such services.

If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this Website are protected by applicable copyright and trademark law.

WY Calculators Hub provides free online calculators and tools for educational and informational purposes. Our services include, but are not limited to:

• Financial calculators (loan, mortgage, investment)
• Health calculators (pregnancy, ovulation, BMI)
• Educational calculators (statistics, mathematics)
• Conversion tools and utilities
• Other specialized calculators as added to the platform

All calculators are provided "as is" for general informational purposes only. We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the services in any way that violates any applicable federal, state, local, or international law or regulation
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the services
• Use any robot, spider, or other automatic device to access the services for any purpose
• Introduce any viruses, trojan horses, worms, or other malicious code
• Use the services to transmit any advertising or promotional material without our prior written consent
• Impersonate or attempt to impersonate WY Calculators Hub, our employees, or other users

We reserve the right to refuse service, terminate accounts, or cancel orders at our sole discretion.

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WY Calculators Hub does not warrant that:

• The services will meet your specific requirements
• The services will be uninterrupted, timely, secure, or error-free
• The results that may be obtained from the use of the services will be accurate or reliable
• The quality of any products, services, information, or other material obtained by you will meet your expectations

Any material downloaded or otherwise obtained through the use of the services is done at your own discretion and risk.

IN NO EVENT SHALL WY CALCULATORS HUB, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the services
• Any conduct or content of any third party on the services
• Any content obtained from the services
• Unauthorized access, use, or alteration of your transmissions or content

This limitation of liability shall apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

While we strive to provide accurate and up-to-date calculators, we cannot guarantee that all calculations are 100% accurate, complete, or current. The calculators are intended for educational and informational purposes only and should not be relied upon as professional advice.

Specifically:

• Financial calculators provide estimates and should not be considered as financial advice
• Health calculators provide general information and are not medical advice
• Statistical and mathematical calculators provide theoretical results
• All calculations should be verified with appropriate professionals

The Website and its original content, features, and functionality are owned by WY Calculators Hub and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not:

• Copy, modify, create derivative works of, publicly display, publicly perform, republish, or transmit any of the material
• Delete or alter any copyright, trademark, or other proprietary rights notices
• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text
• Use any meta tags or other "hidden text" using our name or trademarks

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial use only.

Our calculators may allow you to input data for calculations. You retain all rights to the data you input. By inputting data, you grant us a non-exclusive, worldwide, royalty-free license to use, process, and store this data solely for the purpose of providing the calculation services.

You represent and warrant that:

• You own or have the necessary rights to use any data you input
• The data does not violate any third-party rights
• The data is not unlawful, threatening, abusive, or obscene

We do not collect or store your calculation data on our servers. All calculations are performed locally in your browser for privacy protection.

Our Website may contain links to third-party websites or services that are not owned or controlled by WY Calculators Hub. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that WY Calculators Hub shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the services will immediately cease. If you wish to terminate your account, you may simply discontinue using our services.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

These Terms constitute the entire agreement between us regarding our services, and supersede and replace any prior agreements we might have had between us regarding the services.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the services.

We encourage you to review these Terms periodically for any changes. Changes to these Terms are effective when they are posted on this page.

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