Terms of Service

By accessing and using ErosionCalc (the "Service"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the Service.

1. Description of Service

ErosionCalc provides a free, browser-based financial calculator tool that estimates the impact of compound inflation on freelance income and rates. The tool performs client-side mathematical computations based on user-provided inputs and publicly available macroeconomic data.

2. Tool Usage and Mathematical Disclaimer

2.1 Informational Purposes Only

The calculator and all associated content are provided strictly for informational and educational purposes. The tool is not a substitute for professional financial advice, tax consultation, or certified accounting services.

2.2 Mathematical Model Limitations

The calculator uses standard compound interest formulas assuming a constant annual inflation rate. Real-world inflation fluctuates, varies across sectors and geographies, and is influenced by factors not captured in this model. The projections represent one possible scenario under simplified assumptions — not a forecast or guarantee.

2.3 Inflation Data Accuracy

Default country inflation rates are approximate values derived from publicly available sources (central banks, World Bank, IMF). These values may not reflect the most current data and are subject to revision. Users should verify current rates through official sources for critical financial decisions.

3. User Responsibilities

• You are solely responsible for the interpretation and application of calculator results
• You must not rely on the calculator as the sole basis for material financial decisions
• You agree not to use the Service for any unlawful purpose
• You agree not to attempt to reverse-engineer, decompile, or exploit the Service

4. Intellectual Property

All content, design, code, and branding associated with ErosionCalc are the intellectual property of the site operator. You may not reproduce, distribute, or create derivative works without explicit written permission.

5. Limitation of Liability

To the fullest extent permitted by law, ErosionCalc and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or reliance on the calculator outputs
• Any errors, inaccuracies, or delays in inflation data
• Financial decisions made based on the tool's projections
• Temporary unavailability or technical issues with the Service

6. Third-Party Services

The Service integrates third-party services including Google Analytics and Google AdSense. Your interaction with these services is governed by their respective terms and privacy policies.

7. Modifications

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also update these Terms periodically. Continued use constitutes acceptance of modified terms.

8. Governing Law

These terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law provisions.

9. Contact

For questions about these Terms, please visit our Contact page.