Terms of Use

These Terms of Use (“Terms”) govern your access to and use of ManyTools at https://manytools.co, operated by Orion's Comet LLC (Missouri, USA) (“ManyTools,” “we,” “us”). By using the site, you agree to these Terms. If you do not agree, please do not use the site.

What ManyTools provides

ManyTools offers free online calculators and reference content. The tools run in your browser and return estimates based on the inputs you provide and on standard, published formulas. No account is required and the tools are provided at no charge.

Estimates only, not professional advice

ManyTools calculators are provided for informational and educational purposes only. They do not constitute financial, tax, investment, accounting, or legal advice, and they are not a substitute for advice from a qualified professional.

Results are estimates. They depend entirely on the information you enter and on standard formulas that may not reflect every fee, rule, or condition that applies to your situation. Actual figures from a lender, loan servicer, the IRS, or another authority may differ from what a calculator shows. Before making any financial, tax, or legal decision, consult a qualified professional who can review your specific circumstances. You are solely responsible for decisions you make based on the tools.

No warranty

The site and tools are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We work to keep the calculators accurate and will correct errors we identify or that you report, but we do not warrant that results are error-free or suitable for any particular purpose.

Acceptable use

You agree not to misuse the site, including by attempting to disrupt it, access it through automated means that place an unreasonable load on it, reverse engineer it for an unlawful purpose, or use it in violation of any applicable law.

Intellectual property

The ManyTools name, site design, written content, and software are owned by Orion's Comet LLC and are protected by applicable laws. You may use the tools for your own personal or business purposes. You may not copy or republish substantial portions of the site’s content without permission.

Third-party links and advertising

The site may contain links to third-party websites and, now or in the future, third-party advertising and affiliate links. Where a link is an affiliate link, Orion's Comet LLC may earn a commission if you purchase a product or service from that partner, at no additional cost to you. We are not responsible for the content, products, or practices of third parties, and any dealings you have with them are solely between you and the third party.

Limitation of liability

To the fullest extent permitted by law, Orion's Comet LLC and its operators will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss arising from your use of, or reliance on, the site or its calculators, including any financial loss resulting from decisions made using the tools. Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the effective date above. Your continued use of the site after a change means you accept the updated Terms.

Governing law

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws rules. Any dispute arising from these Terms or your use of the site will be subject to the jurisdiction of the state and federal courts located in Missouri, USA.

Contact

Questions about these Terms can be sent to hello@getorionscomet.com. See also our Privacy Policy and Methodology.