These Terms of Use (“Terms”) govern your use of SmartFin and its website, calculators, simulations, historical analyses, comparisons, APIs, MCP tools, embeds and related services (collectively, the “Service”). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.
SmartFin is a financial computation and research service. It provides calculators, simulations, historical investment analyses, comparisons, research-oriented tools and related computational experiences. Some features use historical market or financial data and may allow you to enter assumptions and receive computed results.
SmartFin is designed to help users understand financial concepts and explore mathematical or historical scenarios. The Service does not provide individualized financial, investment, tax, accounting or legal advice.
SmartFin’s outputs are provided for educational and informational purposes. SmartFin does not assess your complete financial circumstances, objectives, risk tolerance, tax position, legal position, product eligibility or other personal factors.
Nothing on SmartFin should be interpreted as a personalized recommendation to buy, sell or hold an investment; borrow money; refinance; purchase a property; save or invest a particular amount; select a financial product; or take any other financial action.
You are responsible for deciding whether any result is appropriate for your circumstances and for obtaining professional advice where appropriate.
Historical market data, prices, dividends, distributions, corporate actions, benchmarks and other financial data may contain errors, omissions, revisions, timing differences or differences between providers. SmartFin may use third-party data sources and may update, replace or correct data or methodology.
Historical or simulated performance is not a promise or indication of future performance. A calculation based on historical data is a reconstruction or simulation, not an actual investment account statement.
Where SmartFin displays a result, the applicable methodology, data basis, assumptions and “as of” date should be considered part of that result.
We aim to make SmartFin accurate, reproducible and useful, but we do not guarantee that every calculation, dataset, historical value, source, page, API response or other output will always be complete, current, error-free or available.
The Service may be changed, corrected, interrupted, limited or discontinued at any time. Data providers, market sources, hosting providers, browsers, networks and other third parties may also affect availability or accuracy.
You are responsible for the information and assumptions you enter into SmartFin. You should review inputs before relying on a result.
Do not enter passwords, payment-card numbers, government identification numbers, account credentials, private keys or other highly sensitive information into SmartFin’s calculators, simulations, URLs or other fields.
SmartFin’s calculators calculate on SmartFin’s servers, so the inputs you enter are sent there to produce the result. The Privacy Policy says how inputs are handled.
Some SmartFin tools may generate shareable or reproducible URLs that contain calculation inputs or other parameters. Treat such URLs as potentially public information.
Do not include sensitive personal or confidential information in calculator inputs if that information could appear in a URL, be copied into a shared link or otherwise be exposed to someone with access to the link.
SmartFin may make certain calculators or computational capabilities available through APIs, MCP tools or integrations with AI assistants.
Availability, inputs, outputs, limits and permitted uses may vary by feature. AI assistants and other third-party services are separate services from SmartFin. SmartFin does not control how an external AI provider stores, processes or uses information after that provider receives it.
You may not use automated access to overload, disrupt, scrape or circumvent reasonable technical limits of the Service. SmartFin may impose rate limits, authentication requirements, usage restrictions or other controls and may change or discontinue API, MCP or integration access at any time.
Unless SmartFin expressly permits it, you may not resell, mirror or commercially redistribute SmartFin’s proprietary API/MCP responses or infrastructure in a way that competes with the Service or misrepresents its source.
SmartFin may provide embeddable calculators or experiences. Embedded versions are part of the Service and may change, be limited or be discontinued.
You may not use an embed to imply that SmartFin endorses a person, company, product or financial recommendation when it does not. You may not modify an embed in a way that misrepresents the underlying SmartFin calculation.
You may use SmartFin only for lawful purposes and in a manner that does not interfere with the Service or other users.
You must not attempt to gain unauthorized access, bypass security controls, introduce malicious code, abuse infrastructure, intentionally generate excessive automated traffic, reverse engineer protected components where prohibited by law, or use the Service for unlawful or fraudulent activity.
SmartFin and its original software, interface, branding, text, visual design, methodologies, computational systems and other original materials are owned by or licensed to the Service operator unless otherwise stated.
You may use SmartFin’s public results and educational content for personal, non-misleading reference purposes. Reproducing substantial portions of the Service, systematically copying its datasets or content, or presenting SmartFin’s work as your own is not permitted without authorization, except where applicable law provides otherwise.
SmartFin may depend on third-party providers for hosting, analytics, market data, financial data, AI integrations, content delivery or other infrastructure. Those providers may have their own terms and privacy practices.
SmartFin is not responsible for third-party services that are outside its control, including changes, outages, inaccuracies or policy changes by those providers.
SmartFin may add, remove, modify, replace or discontinue calculators, simulations, datasets, data sources, methodologies, APIs, MCP tools, embeds, pages or other features.
A change to a calculation methodology or data source may cause a previously displayed result to differ from a later result. Where practical, SmartFin may identify methodology or data updates on the relevant page.
To the maximum extent permitted by applicable law, SmartFin and its operator, affiliates, contributors and service providers will not be liable for indirect, incidental, special, consequential or similar losses arising from your use of, or inability to use, the Service, including losses resulting from financial decisions, investment performance, missed opportunities, data errors, interruptions or reliance on a calculation.
Nothing in these Terms excludes or limits liability where applicable law does not permit that exclusion or limitation.
The Service is provided on an “as available” and “as is” basis to the maximum extent permitted by law. SmartFin makes no warranty that the Service will meet your particular requirements or that every output will be uninterrupted, complete, accurate or suitable for a particular purpose.
SmartFin may update these Terms as the Service evolves. The “Last updated” date will indicate when the current version took effect. Your continued use of the Service after an update constitutes acceptance of the updated Terms to the extent permitted by applicable law.
These Terms are governed by the laws applicable in the jurisdiction where the operator of SmartFin is based, without regard to conflict-of-law principles, except where applicable law requires otherwise. Subject to mandatory consumer or other legal rights, disputes will be subject to the courts having jurisdiction in that location.
For questions about these Terms, contact contactus@smartfin.fyi.