1. Acceptance of Terms

Welcome to SipCalculatorz.com (hereinafter referred to as “we,” “our,” or “us”). By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use our website and services.

2. Use of Our Services

a. Eligibility: By using our services, you represent that you are at least 18 years old or have the legal capacity to enter into these Terms of Service.

b. Registration: Some of our services may require you to register for an account. When you register, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

c. Prohibited Activities: You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Use our services for any illegal, harmful, or fraudulent activities
• Interfere with the operation of our website and services
• Transmit viruses or malicious code
• Engage in any form of spam, harassment, or disruptive behavior

3. Content and Intellectual Property

a. Ownership: All content and materials on SipCalculatorz.com, including but not limited to text, graphics, logos, images, and software, are the property of SipCalculatorz.com or its licensors and are protected by copyright and other intellectual property laws.

b. User-Generated Content: You may post or submit content on our website. By doing so, you grant us a non-exclusive, worldwide, royalty-free license to use, modify, display, and distribute your content in connection with our services.

4. Privacy

Our collection and use of personal information are governed by our Privacy Policy, which is incorporated into these Terms of Service. Please review our Privacy Policy to understand how we handle your data.

5. Termination

We reserve the right to terminate or suspend your access to our services at our discretion, without notice, for any violation of these Terms of Service.

6. Disclaimer of Warranties

We provide our services “as is” and “as available.” We make no warranties, express or implied, regarding the quality, accuracy, or availability of our services. Your use of our services is at your own risk.

7. Limitation of Liability

We shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our services. You agree that your sole remedy for any issues related to our services is to discontinue use.

8. Changes to Terms of Service

We may update these Terms of Service from time to time. We will notify you of changes by posting the updated terms on our website. Your continued use of our services after the effective date of the revised terms constitutes your acceptance of the changes.

9. Contact Information

If you have any questions or concerns regarding these Terms of Service, please contact us at info@sipcalculatorz.com