Terms of Service

Welcome to 1gb.icu. These Terms of Service ("Terms" or "Agreement") govern your access to and use of the 1gb.icu website, calculators, articles, and any related services (collectively, the "Services"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms

By accessing, browsing, or otherwise using 1gb.icu, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using our Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. If you are under 18, you may use our Services only with the involvement of a parent or guardian.

2. Description of Services

1gb.icu provides a free, publicly accessible library of financial calculators and educational articles covering topics including real estate, business, personal finance, insurance, immigration, taxes, health, and investment. Our calculators perform mathematical calculations based on inputs you provide and standard assumptions. Our articles offer general educational information on financial topics.

We may modify, suspend, or discontinue any aspect of our Services at any time, including the availability of any calculator, article, feature, or content, without notice or liability.

3. Use License and Restrictions

3.1 Permitted use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. You may view, download, and print content from our website for your own use, provided you retain all copyright and proprietary notices.

3.2 Prohibited conduct

You agree not to:

• Use our Services for any unlawful purpose or in violation of any local, state, national, or international law
• Attempt to gain unauthorized access to our systems, networks, or data
• Interfere with or disrupt the Services, including introducing viruses, malware, or harmful code
• Scrape, crawl, or otherwise systematically extract data, calculators, or content from our website
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of our Services for commercial purposes without our written permission
• Use automated tools (bots, scrapers, scripts) to access our Services, except for search engine indexing
• Frame, mirror, or otherwise present our content in a way that implies endorsement or affiliation without our consent
• Engage in click fraud or any other form of artificial ad interaction
• Use our Services to provide professional financial, legal, tax, or immigration advice to others

4. Intellectual Property Rights

All content on 1gb.icu—including but not limited to calculators, articles, text, graphics, logos, designs, software code, and the overall look and feel of the website—is owned by us or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

The "1gb.icu" name, logo, and any related marks are our property. You may not use them without our prior written consent, except to identify our website in honest reviews or discussions.

The formulas and methodologies used in our calculators are based on publicly available information from authoritative sources (such as IRS publications, Fannie Mae guidelines, and standard financial formulas). Our implementation, explanations, examples, and presentation are our original work.

5. User Responsibilities

You are responsible for all activity that occurs through your use of our Services. You agree to provide accurate information when contacting us and to keep any account credentials (if we ever offer accounts) confidential. You are responsible for verifying the accuracy of any calculations performed using our tools and for any decisions you make based on those calculations.

6. No Financial, Legal, Tax, or Professional Advice

This is the most important section of these Terms. Please read it carefully.

All calculators, articles, and content on 1gb.icu are provided for general informational and educational purposes only. They do not constitute, and should not be relied upon as, financial advice, legal advice, tax advice, investment advice, immigration advice, insurance advice, or any form of professional advice. The information we provide is general in nature and may not apply to your specific circumstances.

Our calculators produce estimates based on the inputs you provide and standard assumptions. Actual results may vary significantly due to factors the calculators do not account for, including but not limited to: changes in tax laws, interest rates, market conditions, lender policies, immigration regulations, insurance underwriting, and your individual financial situation.

Before making any financial, legal, tax, immigration, or insurance decision, you should consult with a qualified, licensed professional who can review your specific circumstances. We are not a law firm, accounting firm, financial advisor, lender, insurance broker, or immigration attorney, and we do not hold ourselves out as such.

7. Third-Party Links and Content

Our website may contain links to third-party websites, including government websites (such as IRS.gov, USCIS.gov), lender websites, and other resources. We provide these links for your convenience and do not endorse or control the content of these external sites. We are not responsible for the accuracy, privacy practices, or content of third-party websites.

References to specific companies, products, or services are for informational purposes only and do not constitute endorsements unless explicitly stated.

8. Advertising Disclosure

1gb.icu may display advertising served by Google AdSense and other third-party advertising networks. We may earn revenue from these advertisements. Advertising on our website does not constitute an endorsement of the advertised products or services. We are not responsible for the content of advertisements or the practices of advertisers.

If we ever enter into affiliate relationships, sponsored content arrangements, or partnerships that could affect content recommendations, we will disclose them clearly in the relevant content and in our Disclaimer.

9. Disclaimers and Limitation of Liability

9.1 No warranty

Our Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that our Services will be uninterrupted, error-free, secure, or that defects will be corrected.

9.2 Limitation of liability

To the fullest extent permitted by applicable law, in no event shall 1gb.icu, its owners, operators, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost data, business interruption, or any other commercial damages or losses, arising out of or related to your use of (or inability to use) our Services, even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claim arising out of or relating to these Terms or our Services shall not exceed the greater of (a) the amount you have paid us, if any, in the past 12 months, or (b) USD $100. Because some jurisdictions do not allow the exclusion or limitation of certain damages, some of the above limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless 1gb.icu and its owners, operators, employees, and affiliates from any claim, demand, damages, loss, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use of our Services; (b) your violation of these Terms; (c) your violation of any law or third-party rights; or (d) any information you submit to our website.

11. Account Termination

You may stop using our Services at any time. We may suspend or terminate your access to our Services immediately, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, all licenses granted to you under these Terms will immediately cease.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our operations are based, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or our Services shall be resolved exclusively in the state or federal courts located in that jurisdiction, and you consent to the personal jurisdiction of those courts.

If you are a consumer in the European Union, you may also bring proceedings in the courts of the EU member state in which you reside, and the mandatory consumer protection laws of that country will apply.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will revise the "Last updated" date at the top of this page and, for material changes, provide notice through our website. Your continued use of our Services after any changes take effect constitutes your acceptance of the new Terms. If you do not agree to the updated Terms, you must stop using our Services.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and 1gb.icu regarding your use of our Services and supersede all prior agreements and understandings, whether written or oral.

16. Contact Information

If you have any questions, concerns, or notices regarding these Terms, please contact us at:

Email: contact@1gb.icu
Website: https://1gb.icu