Terms & Conditions

1Acceptance of Terms

By accessing, browsing, or using the Ficita website (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all visitors, users, and others who access or use the Service. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2Use of Our Services

Ficita provides free online tools including, but not limited to, mortgage calculators, JSON formatters, password generators, and other utility tools. By using our Service, you agree to:

• Use the Service only for lawful purposes and in accordance with these Terms
• Not use the Service in any way that violates any applicable federal, state, local, or international law or regulation
• Not attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Service
• Not use any automated means, including bots, scrapers, or scripts, to access the Service for any purpose without our express written permission
• Not reproduce, duplicate, copy, sell, or resell any portion of the Service without our prior written consent

3Intellectual Property

The Service and its original content (excluding user-provided input data), features, and functionality are and will remain the exclusive property of Ficita and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without prior written consent.

4User Responsibilities

You are solely responsible for:

5Disclaimer of Warranties

Ficita does not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from the use of the Service will be accurate or reliable
• The quality of any content, information, or other material obtained through the Service will meet your expectations
• Any errors in the Service will be corrected

You rely on the Service and its results entirely at your own risk.

6Limitation of Liability

In no event shall Ficita, its directors, employees, partners, agents, suppliers, or affiliates 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 access or use) the Service
• Damages resulting from any conduct or content of any third party on the Service
• Damages resulting from unauthorized access, use, or alteration of your transmissions or content
• Financial decisions made based on calculator or tool output

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Ficita has been advised of the possibility of such damage. In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

7Third-Party Services & Advertising

Our Service may contain links to third-party websites or services that are not owned or controlled by Ficita. We may also display third-party advertisements on our website.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

8Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

9Governing Law

These Terms shall be governed and construed in accordance with the laws of the European Union, without regard to its conflict of law provisions.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located within the European Union. If you are located outside the EU, you agree to the resolution of disputes by the competent courts within the EU.

10Contact Us

If you have any questions about these Terms and Conditions, please contact us: