Terms and Conditions
Last updated: October 6, 2025
Welcome to Invorya! These Terms and Conditions (“Terms”) govern your access to and use of invorya.com and our calculators, content, and related features (collectively, the “Services”). By using the Services, you agree to these Terms.
1. Who May Use the Services
You must be at least 18 years old (or the age of majority in your jurisdiction) or have parental/guardian consent. If you do not agree to these Terms, do not use the Services.
2. Educational Use Only (No Financial Advice)
3. License & Intellectual Property
- We and our licensors own all rights, title, and interests in and to the Services, including all content, design, logos, and trademarks.
- We grant you a limited, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use, subject to these Terms.
- You may not copy, reproduce, modify, distribute, sell, rent, lease, reverse engineer, or create derivative works of the Services except as expressly permitted by law.
- You may not use any scraping, data mining, or similar methods without our prior written consent.
4. Acceptable Use (Prohibited Activities)
- Do not use the Services in any unlawful way or to infringe others’ rights.
- Do not interfere with or disrupt the Services, servers, or networks (e.g., DDoS, automated load, or exploit attempts).
- Do not attempt to bypass access or rate limits or use the Services to build a competing product.
5. Third-Party Services & Content
The Services may rely on or link to third parties, including ad networks (e.g., Google AdSense), analytics, public APIs (e.g., foreign exchange rate providers), and image sources (e.g., Unsplash/Picsum). These are governed by their own terms and privacy policies. We do not endorse or control third-party services and are not responsible for their content, accuracy, or availability.
6. Outputs, Data Sources & Availability
- Estimates only: Calculator outputs are estimates based on inputs and publicly available or third-party data and may be inaccurate or incomplete.
- Local storage: Certain features (e.g., watchlist, goals, streak) store preferences locally in your browser. Clearing your browser storage will remove them.
- Service changes: We may add, change, or discontinue features at any time without notice.
- Downtime: The Services may be unavailable due to maintenance, outages, or factors beyond our control.
7. Advertising
We display ads via Google AdSense. Google may use cookies or similar technologies as described in our Privacy Policy and Google’s policies. You can manage ad personalization at adssettings.google.com.
8. Privacy
Your use of the Services is also governed by our Privacy Policy. It explains what we collect, how we use it, and your choices.
9. Disclaimers (No Warranties)
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR AVAILABLE AT ALL TIMES.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVORYA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.
TO THE EXTENT ANY LIABILITY CANNOT BE EXCLUDED, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) US$50 OR (B) THE AMOUNT YOU PAID US (IF ANY) FOR THE SERVICES IN THE THREE (3) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY.
11. Indemnification
You agree to indemnify and hold Invorya harmless from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Services or your violation of these Terms or applicable law.
12. Termination
We may suspend or terminate your access to the Services at any time if we believe you have violated these Terms or for any reason in our discretion. Sections that by their nature should survive termination will survive (e.g., IP, disclaimers, limitations of liability).
13. Governing Law & Venue
These Terms are governed by the laws of the State of Texas, United States, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Travis County, Texas for any dispute arising out of these Terms or the Services.
14. Miscellaneous
- Severability: If any provision is held invalid, the remaining provisions remain in full force.
- Waiver: Our failure to enforce any right is not a waiver of it.
- Assignment: You may not assign these Terms without our consent. We may assign them to an affiliate or in connection with a merger, acquisition, or asset sale.
- Entire Agreement: These Terms constitute the entire agreement between you and us regarding the Services and supersede prior agreements on this subject.
- Changes: We may update these Terms from time to time. We’ll post the updated Terms with a new “Last updated” date. Continued use constitutes acceptance.
15. Contact Us
If you have questions about these Terms, contact us at:
Invorya
Website: https://www.invorya.com
Email: contact@invorya.com
This page is general information and not legal advice. Consider consulting counsel for your specific situation.