Terms of Service

Agreement to Terms

By accessing and using Hellas Calculator (hellascalculator.gr), operated by RAM Labs, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or services.

Description of Service

Hellas Calculator provides free online financial calculator tools designed for users in Greece. Our services include but are not limited to:

• Income tax calculators
• Mortgage payment calculators
• Car loan calculators
• Investment projection tools
• Educational blog content

Disclaimer of Warranties

The information and calculations provided by Hellas Calculator are offered "as is" without any warranties, express or implied. While we strive to ensure accuracy, we make no guarantees regarding:

• The accuracy, completeness, or reliability of any calculations
• The suitability of our tools for your specific financial situation
• The continuous availability of our services
• The timeliness of tax rate or regulatory updates

Limitation of Liability

RAM Labs and Hellas Calculator shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our services
• Any errors or inaccuracies in calculations
• Financial decisions made based on our tools
• Any third-party content or services linked from our site

User Responsibilities

When using Hellas Calculator, you agree to:

• Use our services only for lawful purposes
• Not attempt to interfere with the proper functioning of our website
• Not attempt to access any systems or data not intended for your use
• Verify important calculations with qualified professionals before making financial decisions

Intellectual Property

All content on Hellas Calculator, including but not limited to text, graphics, logos, code, and calculator designs, is the property of RAM Labs and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party services is at your own risk and subject to their respective terms.

Advertising

Hellas Calculator displays advertisements through Google AdSense to support our free services. These advertisements are provided by third parties and are subject to their own terms and privacy policies. We do not endorse the products or services advertised on our site.

Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice. We may also update these Terms of Service periodically. Continued use of our services after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Greece and the European Union. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Greece.

Contact Information

If you have any questions about these Terms of Service, please contact us through our Contact page.