Terms of Service

Welcome to Final Toolbox (https://finaltoolbox.com), owned and operated by Neophile Inc., a corporation organized in the United States with offices in Brooklyn, New York ('Neophile Inc.', 'we', 'us', or 'our'). By accessing, browsing, or using any calculator, chart maker, visual simulator, formula guide, or utility on Final Toolbox, you agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree to every provision of these Terms of Service, you must discontinue use of the website immediately. We reserve the right to update or modify these Terms at any time by posting the revised version with an updated effective date.

ALL CALCULATORS, CHARTS, VISUAL SIMULATIONS, MATHEMATICAL MODELS, FORMULAS, BENCHMARKS, AND WRITTEN EXPLANATIONS ON FINAL TOOLBOX ARE PROVIDED STRICTLY FOR GENERAL EDUCATIONAL, ACADEMIC, AND INFORMATIONAL REFERENCE PURPOSES ONLY.

Nothing on Final Toolbox constitutes—or should be construed as—professional financial, investment, loan, mortgage, tax, accounting, legal, medical, health, structural, electrical, mechanical, or licensed engineering advice. Mathematical models and financial projections inherently rely on simplified assumptions (such as constant interest rates, idealized physical conditions, or standard conventions) that may differ substantially from real-world contracts, regulatory rules, or physical tolerances. You are solely responsible for independently verifying every result with a qualified, licensed professional before making any financial, business, academic, engineering, or safety-related decision.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINAL TOOLBOX AND ALL CONTENT, FORMULAS, DATASETS, GRAPHICS, AND EXPORTED FILES ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

NEOPHILE INC. EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, AND QUIET ENJOYMENT. WE DO NOT WARRANT THAT ANY FORMULA, ROUNDING CONVENTION, UNIT CONVERSION, CHART OUTPUT, OR TEXT UTILITY WILL BE ERROR-FREE, UNINTERRUPTED, OR SUITABLE FOR YOUR SPECIFIC APPLICATION.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL NEOPHILE INC., ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, BUSINESS, OR GOODWILL ARISING OUT OF OR RELATED TO YOUR USE OF—OR INABILITY TO USE—FINAL TOOLBOX OR ANY CALCULATION RESULT OBTAINED FROM IT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NEOPHILE INC.'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF FIFTY U.S. DOLLARS ($50.00 USD) OR THE AMOUNT YOU PAID TO NEOPHILE INC. TO USE FINAL TOOLBOX IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM ($0.00 FOR FREE USERS). You agree to defend, indemnify, and hold harmless Neophile Inc. from and against any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the website, your reliance on unverified outputs, or your violation of these Terms.

The Final Toolbox brand, site design, original copy, curated catalogs, and software code are the intellectual property of Neophile Inc. Charts, worksheets, and CSV/PNG/SVG files that you generate using your own numbers may be freely used in your personal, academic, or commercial presentations and reports, provided you do not scrape, mirror, or redistribute the underlying Final Toolbox platform itself.

You agree not to use automated bots to disrupt service availability, bypass security controls, inject malicious code, or misrepresent outputs from Final Toolbox as certified engineering or financial appraisals.

These Terms and any dispute arising out of or related to Final Toolbox shall be governed by the laws of the State of New York and applicable federal laws of the United States, without regard to conflict-of-law principles.

PLEASE READ CAREFULLY: Except for small-claims court actions or injunctive relief to protect intellectual property, any dispute, claim, or controversy between you and Neophile Inc. shall be resolved exclusively by final and binding individual arbitration seated in Kings County or New York County, New York, under the Consumer Arbitration Rules of the American Arbitration Association (AAA). YOU AND NEOPHILE INC. AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.