Terms of Use

Last updated: November 9, 2025

Welcome to LockHabit (the “Service”). We provide free and ad-supported financial calculators and informational tools intended for educational use. By accessing or using the Service, you agree to these Terms.

1) No financial, legal, or tax advice

The Service provides estimates only. Outputs may differ from actual outcomes due to changing laws, rates, edge cases, or user inputs. Nothing on this site is financial, legal, accounting, or tax advice. Consult a qualified professional for decisions.

2) Eligibility & acceptable use

• You must be able to form a binding contract in your jurisdiction.
• Do not misuse the Service, interfere with operation, attempt to break security, or scrape at scale without consent.
• Do not infringe third-party rights or submit unlawful content through any feedback/contact forms.

3) Accounts

No sign-up is required. If we later offer optional accounts or syncing, additional terms will apply.

4) Privacy

Our Privacy Policy explains what we collect and how we use it (minimal by default). By using the Service you consent to practices described there, including use of Google Analytics and Google AdSense.

5) Local storage & emails

Many tools save inputs on your device via localStorage for convenience. You can clear them using “Reset.” If you use any “Email my results” feature, we will send the message and then discard the data (details in Privacy Policy).

6) Intellectual property

All site content, code, design, and trademarks are owned by LockHabit or its licensors. You may link to our pages and use the tools for personal or internal business purposes. Do not rehost or sell our tools without written permission.

7) Third-party services

The Service may display ads and use third-party libraries/APIs (e.g., exchange rates) under their respective terms. We are not responsible for third-party sites or content.

8) Warranty disclaimer

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9) Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOCKHABIT WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE.

10) Changes

We may update these Terms at any time. The “Last updated” date will change and updates are effective when posted.

11) Contact

Questions? lockhabit@outlook.com