Terms of Service

Effective Date: November 9, 2026

1. Acceptance of Terms

By accessing or using Apex Tools, you agree to comply with and be bound by these Terms of Service. If you do not agree, please discontinue use immediately.

2. Informational & Estimative Use Only

Calculators and tools provided on this website—including mortgage, loan, salary, and compound interest calculators—are provided for general educational and informational illustration only. They do not constitute certified financial, legal, tax, or investment advice. Always consult licensed professionals before making binding financial commitments.

3. Disclaimer of Warranties

Apex Tools is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including merchantability, accuracy, or fitness for a particular purpose.

4. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable to online digital publications.