Terms of Service

1. Acceptance of Terms

By accessing and using ReadyTool.org ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

ReadyTool.org provides free, browser-based utility tools including but not limited to:

• Loan Calculator
• QR Code Generator
• Password Generator
• Random Picker

All tools operate entirely within your web browser. No account registration is required, and no personal data is collected or stored by our servers.

3. Free Service & No Warranty

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of results

We do not guarantee that the Service will be uninterrupted, secure, or error-free.

4. Limitation of Liability

To the fullest extent permitted by applicable law, ReadyTool.org and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, use, or goodwill
• Errors in calculations or generated content
• Security issues arising from misuse of generated passwords or QR codes
• Financial decisions based on loan calculator results
• Any other intangible losses

Important: Our loan calculator is for educational and estimation purposes only. Consult a qualified financial professional for actual loan decisions.

5. Acceptable Use

You agree NOT to use the Service to:

• Generate content that is illegal, harmful, or infringes on others' rights
• Create QR codes linking to malicious or deceptive websites
• Attempt to interfere with or disrupt the Service
• Use automated systems to overload the Service
• Reverse engineer or attempt to extract source code

6. Intellectual Property

The Service, including its design, code, and content, is protected by copyright, trademark, and other intellectual property laws.

• Our Content: ReadyTool.org branding, design, and educational content remain our property
• Your Content: Any content you create using our tools (QR codes, passwords, etc.) belongs to you
• Open Source Libraries: We use open-source libraries which are subject to their respective licenses

7. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites.

8. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

9. Changes to Terms

We may update these Terms of Service from time to time. We will notify users of significant changes by updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the new terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of the Service shall be resolved through good-faith negotiation.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

12. Contact Information

For questions about these Terms of Service, please contact us:

• Email: legal@readytool.org
• Contact Page: readytool.org/contact