Terms of Use

Effective Date: 1/25/2026

Acceptance of Terms

By accessing and using The Money Pocket website ("we," "our," "us," or "the Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

The Money Pocket provides free online financial calculators and tools designed to help users make informed financial decisions. Our calculators cover various topics including loans, investments, taxes, retirement planning, and other financial scenarios.

Important Financial Disclaimers

Not Financial Advice

The calculators, tools, and information provided on this Website are for educational and informational purposes only. They do not constitute financial, investment, tax, legal, or professional advice. You should not rely on this information as a substitute for professional advice from qualified financial advisors, tax professionals, or other experts.

Calculation Accuracy

While we strive to ensure our calculators are accurate and up-to-date, we make no warranties or guarantees about the accuracy, completeness, or reliability of any calculations, results, or information provided. Financial calculations involve numerous variables and assumptions that may not apply to your specific situation.

No Guarantee of Results

The results provided by our calculators are estimates based on the information you input and the assumptions built into each calculator. Actual results may vary significantly due to market conditions, changes in laws, individual circumstances, and other factors beyond our control.

Your Responsibility

You are solely responsible for:

• Verifying the accuracy of any calculations or information
• Consulting with qualified professionals before making financial decisions
• Understanding the limitations and assumptions of each calculator
• Using the tools appropriately for your situation

Acceptable Use

Permitted Uses

You may use our Website and calculators for:

• Personal financial planning and education
• Research and informational purposes
• Generating estimates for your own financial scenarios

Prohibited Uses

You may not:

• Use our calculators for commercial purposes without permission
• Attempt to reverse engineer, copy, or reproduce our calculator algorithms
• Submit false, misleading, or harmful information
• Use automated systems (bots, scrapers) to access our Website
• Violate any applicable laws or regulations
• Interfere with the Website's functionality or security
• Use the Website to provide financial advice to others commercially

Intellectual Property Rights

Our Content

All content on this Website, including but not limited to calculators, algorithms, text, graphics, logos, images, and software, is the property of The Money Pocket or our licensors and is protected by copyright, trademark, and other intellectual property laws.

Your License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes in accordance with these Terms.

Restrictions

You may not:

• Copy, modify, distribute, or create derivative works of our content
• Use our trademarks, logos, or branding without permission
• Frame or embed our calculators on other websites without permission
• Remove or alter any copyright or proprietary notices

Third-Party Services

Google AdSense

Our Website displays advertisements through Google AdSense. Your interaction with these advertisements is governed by Google's terms of service and privacy policies. We are not responsible for the content or practices of advertisers.

External Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites. Use of third-party websites is at your own risk.

Limitation of Liability

Disclaimer of Warranties

THE WEBSITE AND ALL CALCULATORS, TOOLS, AND INFORMATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO:

• Financial losses resulting from decisions based on calculator results
• Errors or inaccuracies in calculations or information
• Interruption or termination of service
• Loss of data or information
• Any other damages, even if we have been advised of the possibility of such damages

Maximum Liability

In no event shall our total liability to you exceed $100, regardless of the cause of action or the theory of liability.

Indemnification

You agree to indemnify, defend, and hold harmless The Money Pocket, its owners, employees, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any rights of another party
• Any decisions you make based on information from our Website

Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Website, to understand our practices.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website after any changes indicates your acceptance of the new Terms.

Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of our Website or services at any time without notice. We shall not be liable to you or any third party for any such modifications, suspensions, or discontinuations.

Termination

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

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Your State/Country, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Your Jurisdiction.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will remain in full force and effect.

Entire Agreement

These Terms constitute the entire agreement between you and The Money Pocket regarding the use of the Website and supersede all prior agreements and understandings.

Contact Information

If you have any questions about these Terms of Use, please contact us at:

Email: i.zoukhaiev@gmail.com

Website: https://www.zodiac-database.com

Special Provisions for Financial Calculators

Calculator Limitations

Our calculators are simplified models that may not account for all variables affecting your specific financial situation, including but not limited to:

• Changes in tax laws or rates
• Market volatility and economic conditions
• Individual credit profiles and lending criteria
• State-specific regulations and requirements
• Inflation and cost-of-living changes
• Personal circumstances and goals

Professional Consultation Required

For important financial decisions, you should always consult with qualified professionals including:

• Certified Financial Planners (CFP)
• Certified Public Accountants (CPA)
• Tax attorneys or tax professionals
• Licensed insurance agents
• Real estate professionals
• Investment advisors

Updates and Changes

We may update our calculators, assumptions, and methodologies at any time to reflect changes in laws, market conditions, or best practices. We are not obligated to notify users of such changes.

By using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.