The Arca Labs provides financial calculator tools for educational and informational purposes. All our services are provided free of charge, with no registration, login, or paid subscription required. Our services include: - Investment calculators (compound interest, returns, etc.) - Tax estimation tools - Loan and mortgage calculators - Other financial planning tools These tools are designed to help users understand financial concepts and perform hypothetical calculations. The Service is supported by advertising and affiliate partnerships.

You must be at least 18 years old to use our services. By accessing this website, you represent and warrant that you are at least 18 years of age. If you are under 18, you may not use this website or its calculators. Financial planning tools are designed for adults who can make their own financial decisions.

IMPORTANT DISCLAIMER: The Arca Labs is NOT a registered investment advisor, broker-dealer, financial planner, or tax professional. The information and tools provided on this website: - Do NOT constitute financial, investment, tax, or legal advice - Are for educational and informational purposes only - Should NOT be relied upon for making financial decisions Always consult a qualified financial professional before making any investment, tax, or financial decisions. Your personal financial situation is unique, and generic calculators cannot account for your specific circumstances.

Accuracy Efforts: The Arca Labs strives to keep its information accurate and up to date. However, this information may be different from what you see when you visit a financial institution, service provider, or specific product's website. Calculation Limitations: Our calculators provide hypothetical projections based on the inputs you provide. These calculations: - Do NOT account for market volatility or economic changes - Do NOT guarantee actual investment returns - May NOT reflect current tax laws or rates - Cannot predict future financial outcomes Past Performance: Past performance does not guarantee future results. Investment returns shown in calculators are hypothetical and for illustrative purposes only.

All tools, calculations, and information on this website are provided "AS IS" and "AS AVAILABLE" without warranty of any kind, either express or implied, including but not limited to: - Warranties of merchantability - Fitness for a particular purpose - Non-infringement - Accuracy or completeness - Reliability or availability We do not warrant that the service will be uninterrupted, secure, or error-free.

To the fullest extent permitted by applicable law, The Arca Labs and its operators shall not be liable for: - Any direct, indirect, incidental, special, consequential, or punitive damages - Loss of profits, revenue, data, or business opportunities - Financial losses resulting from reliance on our tools or information - Errors, omissions, or inaccuracies in calculations - Any damages arising from your use or inability to use our services Your sole remedy for dissatisfaction with the service is to stop using the website.

Our website may contain links to third-party websites, including: - Financial service providers - Affiliate partners - Reference materials and resources Disclaimer: We are not responsible for the content, accuracy, or practices of any third-party websites. Links are provided for convenience only and do not imply endorsement. When you leave our site, you do so at your own risk.

The Arca Labs may receive compensation from affiliate partners when users click on certain links or sign up for services. This compensation helps us maintain and improve our free tools. Important: - Affiliate relationships do NOT affect the information we provide - We are committed to providing objective, useful tools regardless of affiliate partnerships - Users are never charged extra for using affiliate links

All content on this website, including text, graphics, logos, calculator designs, and software, is the property of The Arca Labs or its content suppliers and is protected by intellectual property laws. You may NOT: - Copy, modify, or distribute our content without permission - Use our tools for commercial purposes without authorization - Reverse engineer or attempt to extract source code

By using our services, you agree to: - Provide accurate input data for calculations - Use the tools for lawful purposes only - Not attempt to disrupt or harm our services - Not use automated systems to access our services excessively - Verify all calculations independently before making financial decisions

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on this page. Your continued use of the service after changes constitutes acceptance of the new terms.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved exclusively in the state or federal courts located in Delaware. You consent to the personal jurisdiction of such courts.

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

These Terms of Service constitute the entire agreement between you and The Arca Labs regarding your use of the Service, superseding any prior agreements or communications.

If you have questions about these Terms of Service, please contact us at: founder@thearcalabs.com