Terms of Service

1. Acceptance of Terms

By accessing or using Moolah IQ, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.

You must be at least 18 years of age to use our financial calculators and tools. By using these features, you represent that you meet this age requirement.

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

2. Description of Service

Moolah IQ provides the following services, all currently offered free of charge:

• -Educational Content: Blog articles, guides, and resources about personal finance, investing, budgeting, and wealth building.
• -Interactive Calculators: Financial tools including compound interest calculators, crossover point calculators, mortgage refinance calculators, and more.
• -Newsletter: Periodic email updates with financial education content (subscription optional).

All content and tools are provided for educational purposes only and do not constitute financial advice. See our Disclaimer for complete details.

3. User Responsibilities

When using Moolah IQ, you agree to:

• -Provide accurate information when using our calculators and tools.
• -Use the site only for lawful purposes and in compliance with all applicable laws.
• -Not attempt to harm, disrupt, or interfere with the site's operation or security.
• -Not copy, reproduce, or redistribute our content without prior written permission.
• -Verify all calculator results independently before making financial decisions.

4. Intellectual Property

All content on Moolah IQ — including but not limited to text, graphics, logos, icons, images, calculator designs, source code, and the compilation thereof — is the property of Moolah IQ and is protected by United States and international copyright, trademark, and other intellectual property laws.

• -You may use our calculators and read our content for personal, non-commercial use.
• -You may not copy, modify, distribute, sell, or create derivative works based on our content without express written permission.
• -You may share links to our pages freely, with proper attribution.

5. Prohibited Uses

You may not use Moolah IQ for any of the following:

• -Any illegal activities or purposes that violate local, state, national, or international law.
• -Harassing, threatening, or intimidating other users or individuals.
• -Uploading or transmitting viruses, malware, or any malicious code.
• -Automated scraping, crawling, or data mining of our content or tools (beyond standard search engine indexing).
• -Impersonating Moolah IQ, its creators, or any other person or entity.
• -Attempting to gain unauthorized access to our systems, servers, or databases.

6. Limitation of Liability

Moolah IQ and all its content and tools are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

To the maximum extent permitted by applicable law, Moolah IQ shall not be liable for:

• -Any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the site.
• -Errors or omissions in calculator results, articles, or other content.
• -Financial losses resulting from decisions made using information from this site.
• -Service interruptions, technical failures, or data loss.

In no event shall our total liability to you exceed $100 USD.

7. Indemnification

You agree to indemnify, defend, and hold harmless Moolah IQ, its creators, contributors, affiliates, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorney's fees) arising from your use of the website, your violation of these Terms, or your violation of any rights of a third party.

8. Modifications to Service

We reserve the right to:

• -Modify, suspend, or discontinue any part of the service at any time, with or without notice.
• -Add new features, tools, or services, including paid offerings in the future.
• -Remove or alter content as we deem necessary.

We are under no obligation to maintain or support any specific feature or functionality.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or your use of Moolah IQ shall be resolved through good-faith negotiation first. If a resolution cannot be reached, disputes shall be submitted to binding arbitration in accordance with applicable rules.

10. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect. The invalidity of one provision does not affect the validity of the remaining provisions.

11. Contact Information

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