Agreement
These Terms of Use ("Terms") form a binding agreement between you and ZMillion.com ("ZMillion", "we", "us", "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
About the Site
ZMillion.com provides free, interactive financial calculators and related educational content. The Site is intended for general information and self-directed learning. Content is not personalized financial advice and should not be relied upon as such. See the Disclaimer for the full statement.
Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose or in violation of these Terms.
- Attempt to gain unauthorized access to any part of the Site, its servers, or related systems.
- Interfere with or disrupt the Site, including by introducing malware, excessive automated requests, or denial-of-service traffic.
- Scrape, harvest, or otherwise collect data from the Site in a way that violates applicable law or these Terms.
- Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our prior written consent, except as permitted under "Intellectual Property" below.
- Misrepresent your identity, impersonate any person, or falsely imply an affiliation with ZMillion.
Intellectual Property
All content on the Site — including text, graphics, logos, icons, images, code, and the selection and arrangement of content — is owned by ZMillion or its licensors and is protected by copyright, trademark, and other intellectual-property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may share links to individual pages. Any other use — including reproduction, distribution, modification, public display, or creation of derivative works — requires our prior written permission.
User Submissions
If you send us feedback, suggestions, or corrections (for example, by email), you grant us a perpetual, worldwide, royalty-free license to use that feedback to improve the Site. Do not send confidential or proprietary information unless you have explicitly agreed with us in writing that it will be treated as such.
Third-Party Links and Services
The Site may include links to third-party websites, services, or tools. We are not responsible for the content, policies, or practices of third parties. Accessing a third-party service is at your own risk and is governed by that provider's terms.
Advertising
The Site is supported by advertising, including ads served by Google AdSense. The presence of an ad or sponsored content does not imply endorsement of the advertiser, its products, or its services. See the Privacy Policy and Cookie Policy for details on how advertising is delivered.
No Financial Advice
ZMillion does not provide personalized financial, investment, tax, accounting, or legal advice. Calculators on the Site are educational models and rely on assumptions (return rates, time horizons, tax treatment) that may not match your situation. Before making decisions about specific accounts, securities, real estate, or strategies, consult a licensed professional in your jurisdiction.
Disclaimers
The Site and all content are provided "as is" and "as available", without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
Limitation of Liability
To the maximum extent permitted by applicable law, ZMillion and its operators, contributors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including but not limited to lost profits, lost savings, lost investment returns, or data loss — arising out of or related to your use of, or inability to use, the Site, even if we have been advised of the possibility of such damages.
To the extent that liability cannot be excluded under applicable law, our total aggregate liability for any claim arising out of or related to the Site is limited to USD 100 or the greatest amount permitted by law, whichever is lower.
Indemnification
You agree to defend, indemnify, and hold harmless ZMillion and its operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another party.
Changes to the Site
We may add, modify, suspend, or remove any part of the Site at any time, with or without notice. We may also update calculators, assumptions, or content as our understanding evolves or as conditions change.
Changes to These Terms
We may revise these Terms from time to time. Material changes will be reflected by updating the "Last reviewed" date at the top of this page. Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms.
Governing Law
These Terms are governed by the laws of [Jurisdiction], without regard to its conflict-of-law principles. Any dispute arising out of or related to these Terms or the Site will be resolved in the courts located in [Jurisdiction], except where applicable law gives you the right to bring proceedings in another forum.
Severability
If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
Contact
Questions about these Terms can be sent to contact@zmillion.com.