TERMS OF SERVICE

1. ACCEPTANCE OF TERMS

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and CountingMethods.com ("we," "us," "our," or the "Website"). Your use of this Website and any tools, calculators, or services provided herein is subject to these Terms.

2. DISCLAIMER OF FINANCIAL, INVESTMENT, AND TAX ADVICE

2.1 No Professional Advice

THIS WEBSITE AND ALL TOOLS, CALCULATORS, AND CONTENT PROVIDED ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. Nothing on this Website constitutes:

• Professional financial advice
• Investment advice or recommendations
• Tax advice or tax planning guidance
• Legal advice
• Accounting advice
• Insurance advice
• Retirement planning advice
• Estate planning advice
• A recommendation to buy, sell, hold, or trade any security, option, future, or other financial instrument
• A solicitation or offer to buy or sell any securities or financial instruments

2.2 No Fiduciary Relationship

Use of this Website does not create any fiduciary, advisory, agency, or professional relationship between you and CountingMethods.com. We have no fiduciary duty or obligation to you.

2.3 Consult Qualified Professionals

YOU SHOULD ALWAYS CONSULT WITH QUALIFIED, LICENSED PROFESSIONALS including but not limited to:

• Certified Financial Planners (CFP)
• Registered Investment Advisors (RIA)
• Certified Public Accountants (CPA)
• Tax attorneys
• Licensed insurance agents
• Estate planning attorneys

before making any financial, investment, tax, legal, or insurance decisions.

3. ASSUMPTION OF RISK

YOU ACKNOWLEDGE AND AGREE THAT:

• All investment and financial decisions involve substantial risk, including the complete loss of capital
• Past performance does not guarantee future results
• Options trading involves substantial risk and is not suitable for all investors
• Leveraged trading can lead to losses exceeding your initial investment
• Tax laws and regulations are complex and subject to change
• Financial markets are unpredictable and volatile
• You are solely responsible for your financial decisions and their consequences
• You have the knowledge and experience to evaluate the risks of your financial decisions

4. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

4.1 "As Is" Basis

THE WEBSITE AND ALL TOOLS, CALCULATORS, AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability
• That the Website will be uninterrupted or error-free
• That defects will be corrected
• That the Website is free of viruses or harmful components

4.2 No Guarantee of Accuracy

While we strive for accuracy, we make no representations or warranties regarding:

• The accuracy, completeness, timeliness, or reliability of any calculations, projections, or results
• The applicability of calculations to your specific situation
• The current status of tax laws, regulations, or financial rules
• Market data, prices, or rates

4.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COUNTINGMETHODS.COM, ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Investment losses or trading losses
• Tax penalties, interest, or assessments
• Legal fees or costs
• Business interruption
• Loss of goodwill or reputation
• Any damages arising from your use or inability to use the Website
• Any damages arising from errors, omissions, or inaccuracies in calculations or content
• Any damages arising from unauthorized access to or alteration of your data

This limitation applies 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 damages.

4.4 Damages Cap

If, notwithstanding the above, we are found liable for any damage or loss, our total aggregate liability shall not exceed $100 USD.

5. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless CountingMethods.com, its owners, operators, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Website or its tools
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your financial, investment, or tax decisions
• Any losses you incur from trading or investing
• Your violation of any third-party rights
• Any content you submit to the Website
• Your negligence or willful misconduct

6. USER RESPONSIBILITIES

You acknowledge and agree that:

• You are solely responsible for verifying all calculations and results
• You will not rely solely on this Website for financial decisions
• You will maintain the confidentiality of any account information
• You will not use the Website for any illegal or unauthorized purpose
• You will not attempt to gain unauthorized access to any portion of the Website
• You will not interfere with or disrupt the Website or its servers
• You will not use automated systems or software to extract data from the Website without permission
• You understand that financial calculators provide estimates only
• You will independently verify all information before making decisions

7. THIRD-PARTY CONTENT AND LINKS

The Website may contain links to third-party websites or content. We do not endorse, warrant, or assume responsibility for:

• The accuracy or reliability of third-party content
• The practices or content of third-party websites
• Any products or services offered by third parties

8. INTELLECTUAL PROPERTY

All content on this Website, including but not limited to text, graphics, logos, calculators, tools, software, and code, is the property of CountingMethods.com or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our content for commercial purposes
• Reverse engineer our calculators or tools
• Remove any proprietary notices

9. PRIVACY AND DATA

Your use of the Website is subject to our Privacy Policy. We do not guarantee the security of any information you provide. You acknowledge that:

• Internet transmissions are never completely secure
• We are not responsible for any data lost or stolen
• You provide information at your own risk

10. DISPUTE RESOLUTION

10.1 Binding Arbitration

Any dispute arising out of or relating to these Terms or the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that you may assert claims in small claims court if eligible.

10.2 Class Action Waiver

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. Disputes must be brought on an individual basis only.

10.3 Time Limitation

Any claim must be filed within one year after such claim arose or be forever barred.

11. GOVERNING LAW

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

12. SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, only that provision shall be modified or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

13. MODIFICATIONS

We reserve the right to modify these Terms at any time. Your continued use of the Website after any modifications indicates your acceptance of the updated Terms.

14. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and CountingMethods.com regarding the use of the Website and supersede all prior agreements and understandings.

15. CONTACT INFORMATION

For questions about these Terms, please contact us at: [email protected]