Terms of Service

1. Acceptance of Terms

By accessing and using Caribbean Finance Hub ("the Service", "we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Caribbean Finance Hub provides free financial calculators and informational content related to salary calculations, tax calculations, NIS contributions, and loan calculations for various Caribbean countries. Our calculators are designed to provide estimates based on current tax rates, regulations, and standard formulas.

3. Disclaimer of Warranties

The information and calculators provided on this website are for informational and estimation purposes only. While we strive to ensure accuracy, we make no representations or warranties of any kind, express or implied, about:

• The completeness, accuracy, reliability, or suitability of the information and calculations
• The accuracy of tax rates, NIS rates, or other financial data
• The results obtained from using our calculators

Tax laws, rates, and regulations can change, and individual circumstances vary. You should always verify calculations and consult with qualified tax professionals or your local tax authority for official tax advice and calculations.

4. Limitation of Liability

To the fullest extent permitted by applicable law, Caribbean Finance Hub, its operators, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Service
• Any errors or omissions in the content or calculations
• Any decisions made based on information or calculations from this Service
• Any changes to tax laws, rates, or regulations

5. No Financial or Tax Advice

The Service does not provide financial, tax, legal, or professional advice. The calculators and information provided are tools for estimation and planning purposes only. For official tax calculations, financial planning, or legal advice, you should consult with:

• Qualified tax professionals or accountants
• Your local tax authority or revenue service
• Licensed financial advisors
• Legal professionals for legal matters

6. User Responsibilities

You are responsible for:

• Ensuring the accuracy of information you input into our calculators
• Verifying results with appropriate professionals or authorities
• Using the Service in compliance with all applicable laws and regulations
• Not relying solely on our calculations for important financial or tax decisions

7. Privacy and Data

All calculations are performed locally in your browser. We do not store, collect, or transmit your financial data or personal information. Please review our Privacy Policy for more information about how we handle data.

8. Intellectual Property

The Service, including all content, features, functionality, calculators, and design, is owned by Caribbean Finance Hub and is protected by international copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our calculators or content for commercial purposes without authorization
• Remove any copyright or proprietary notices

9. Third-Party Services

Our Service may use third-party services, including but not limited to Google AdSense for advertising and analytics services. These third-party services have their own terms and privacy policies. We are not responsible for the practices of these third parties.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on this page. Your continued use of the Service after changes are posted constitutes acceptance of the modified terms.

11. Termination

We reserve the right to terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction where the Service is operated, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us through our Contact page.