Terms of Service

These Terms of Service ("Terms") govern your access to and use of the MomWorth Calculator website located at momworth.me (the "Site") and all related services provided by MomWorth Calculator ("we," "us," or "our").

By accessing or using our Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site or use our services.

MomWorth Calculator provides an online financial calculator designed to help parents evaluate the financial implications of different work arrangements, including full-time employment, part-time employment, and staying at home.

Our services include:

• Financial calculation tools for comparing work scenarios
• Retirement impact projections
• Downloadable PDF reports
• Account creation and saved calculations
• Educational resources and articles

User Accounts

To access certain features of our Site, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized account use

We reserve the right to suspend or terminate accounts that violate these Terms or contain inaccurate information.

Acceptable Use

When using our Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any portion of the Site or related systems
• Use automated systems (bots, scrapers) to access the Site without permission
• Interfere with or disrupt the Site's operation or security
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation
• Collect or store personal data about other users without consent
• Use the Site to send spam or unsolicited communications

Intellectual Property

The Site and its original content, features, and functionality are owned by MomWorth Calculator and are protected by international copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Site or services without our prior written consent. You may not reverse engineer or attempt to extract the source code of our software.

You may download and print content from the Site for your personal, non-commercial use, provided you maintain all copyright and other proprietary notices.

User Content

When you submit information through our calculator or create an account, you retain ownership of that data. However, you grant us a limited license to use, store, and process your data as necessary to provide our services.

We may use anonymized, aggregated data for research, analytics, and service improvement purposes. This data cannot be used to identify individual users.

To the fullest extent permitted by applicable law, MomWorth Calculator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your access to or use of (or inability to use) the Site
• Damages resulting from any financial decisions made based on our calculator results
• Damages resulting from unauthorized access to your account or data
• Damages resulting from errors, inaccuracies, or omissions in our calculations

This limitation applies regardless of the legal theory on which the claim is based.

Disclaimer of Warranties

The Site and services are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the Site, including but not limited to:

• The accuracy, reliability, or completeness of calculations
• Uninterrupted or error-free operation of the Site
• The suitability of our services for your particular needs
• That defects will be corrected or that the Site is free of viruses

Indemnification

You agree to defend, indemnify, and hold harmless MomWorth Calculator and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of or relating to your use of the Site, violation of these Terms, or violation of any rights of another.

Third-Party Links

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

We encourage you to review the terms and privacy policies of any third-party websites you visit.

Termination

We may terminate or suspend your account and access to the Site immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the Site will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved in the appropriate courts.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date.

Your continued use of the Site after any changes constitutes acceptance of the new Terms. Please review these Terms periodically for changes.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.