Terms of Service

1. Acceptance of Terms

By accessing or using https://www.heptiq.com (the "Website" or "Service"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you are prohibited from using or accessing our tools.

2. Permitted Use & License

Heptiq grants you a personal, non-exclusive, non-transferable, revocable license to access and use our online tools, calculators, formatters, and content for personal, educational, and commercial business purposes.

3. Financial & Educational Disclaimer

Calculators and financial tools published on Heptiq—such as the PayPal Fee Calculator, Cloud Pricing Calculator, Margin Calculator, Loan Calculator, and Mortgage Calculator—are provided for informational and estimation purposes only.

Calculations are based on general pricing models, standard mathematical formulas, and list rates available at the time of publication. Heptiq does NOT provide formal financial, accounting, legal, or tax advice. Users should independently verify fees directly with financial institutions, cloud providers, or qualified accounting professionals before making commercial purchasing decisions.

4. Disclaimer of Warranties

The Website and all materials are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied.

5. Limitation of Liability

In no event shall Heptiq, its founders, developers, or suppliers be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use or inability to use our tools.

6. Contact Information

For any legal inquiries or questions regarding these Terms, please contact us at support@heptiq.com.