Terms of Use — FreeRate

1. Acceptance of Terms

By accessing or using FreeRate ("the Service"), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the Service immediately.

2. Description of Service

FreeRate is a free, browser-based tool that helps freelancers and independent contractors estimate an appropriate hourly rate based on their income goals, work schedule, and business costs. The Service also displays currency conversions using live or cached exchange rates.

3. No Financial Advice

The results produced by FreeRate are estimates only and do not constitute financial, legal, or tax advice. We strongly recommend consulting a qualified financial professional before making decisions based on calculations from this tool.

Rate calculations depend entirely on the values you enter — accuracy is your responsibility.
Exchange rates are sourced from a third-party API and may be delayed or inaccurate.
Tax rates, benefits costs, and local regulations vary widely and are not accounted for.

4. Use of the Service

You agree to use FreeRate only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

Attempt to reverse-engineer, scrape, or disrupt the Service.
Use the Service to distribute malware or harmful content.
Represent FreeRate's output as professional financial advice to third parties.

5. Intellectual Property

All content, design, code, and branding associated with FreeRate are the property of the Service operator. You may not reproduce or redistribute them without prior written permission.

6. Third-Party Services

FreeRate uses ExchangeRate-API to fetch live currency rates. Use of those rates is subject to their own terms of service. We are not responsible for the accuracy, availability, or reliability of third-party data.

7. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to fitness for a particular purpose, accuracy, or uninterrupted availability.

8. Limitation of Liability

To the fullest extent permitted by law, the operator of FreeRate shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use the Service.

9. Changes to These Terms

We reserve the right to update these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

10. Contact

If you have questions about these Terms, you may reach us at support@gettoolhive.com.