Terms of Service

These Terms of Service ("Terms") govern your access to and use of EdCost.com (the "Site") and the calculators, articles, and other materials available on it. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

EdCost grants you a limited, non-exclusive, non-transferable license to access the Site for personal, non-commercial use. You may not scrape, reverse-engineer, modify, distribute, or reproduce content from the Site without prior written permission.

2. Calculator Results

All calculator results are generated locally in your browser using publicly available formulas and assumptions. Results are estimates for educational and planning purposes only. They do not constitute financial, tax, legal, or investment advice, and actual amounts may vary.

3. Intellectual Property

All content on EdCost, including text, graphics, logos, calculators, code, and data compilations, is owned by EdCost or its licensors and is protected by copyright, trademark, and other intellectual property laws. Unauthorized use is prohibited.

4. User Conduct

You agree not to:

• Use the Site for unlawful purposes.
• Attempt to disrupt or interfere with the Site's operation.
• Submit harmful code, malware, or automated requests.
• Impersonate any person or entity.

5. Third-Party Links and Ads

The Site may contain links to third-party websites or advertisements served by third-party networks. EdCost is not responsible for the content, privacy practices, or services of these third parties.

6. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, EdCost and its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, the Site or its calculators.

8. Indemnification

You agree to indemnify and hold harmless EdCost from any claims, damages, or expenses arising from your violation of these Terms or your use of the Site.

9. Governing Law

These Terms shall be governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles.

10. Changes to These Terms

We may update these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Contact

For questions about these Terms, contact us at contact@edcost.com.