Terms of Service

Last updated: May 13, 2025

1. Introduction

Welcome to coldhardcost ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, including any content, functionality, and services offered on or through our website (the "Service").

Please read these Terms carefully before using our Service. By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Service.

2. Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Service following the posting of revised Terms means that you accept and agree to the changes.

3. Accessing the Service

We reserve the right to withdraw or amend our Service, and any service or material we provide on the Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Service is unavailable at any time or for any period.

4. Intellectual Property Rights

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by us, our licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5. User Contributions

Our Service may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features that allow users to post, submit, publish, display, or transmit to other users or other persons content or materials on or through the Service.

All User Contributions must comply with the Content Standards set out in these Terms. Any User Contribution you post to the site will be considered non-confidential and non-proprietary.

6. Data Collection and Use

We collect various types of information from our users to provide and improve our Service. This information may include personal information such as your name, email address, and financial information you input into our calculators.

How We Use Your Data: We use the collected data to provide and maintain our Service, improve our offerings, develop new features, and communicate with you about updates or promotional offers.

Data Sharing and Monetization: We may share aggregated, anonymized data with trusted third parties to help us understand user patterns, improve our services, and develop targeted offerings. We may also share your information with select financial service providers who may offer products relevant to your needs based on your calculator usage.

Our Ethical Approach to Data: We are committed to handling your data ethically and responsibly. When we monetize user data, we adhere to the following principles:

  • Transparency: We clearly disclose what data we collect and how it's used
  • Anonymization: Personal identifiers are removed before data is shared with third parties
  • Control: Users can access, modify, or delete their personal information
  • Security: We implement industry-standard security measures to protect your data
  • Relevance: We only share data with partners who provide relevant financial services

By using our Service, you consent to the collection, use, and sharing of your information as described in these Terms and our Privacy Policy. You can opt out of certain data sharing by adjusting your account settings or contacting us directly.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICE.

8. Limitation of Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which we operate, without regard to its conflict of law principles.

10. Contact Information

Questions or comments about the Service or these Terms may be directed to our support team at support@coldhardcost.com.