Terms of Use

Last updated: November 1, 2026

These Terms of Use apply to your access to and use of SmartTools Hub, including its calculators, word counter, image resizer, currency converter and educational guides. By using the website, you agree to these terms. If you do not agree, please do not use the site.

1. What the website provides

SmartTools Hub provides general-purpose online tools and explanatory content. The tools are intended for simple estimates and everyday calculations. They are not a bank, lender, currency exchange service, accounting service, legal service or professional advisory service. We do not process payments, issue loans, execute currency exchanges or provide downloadable software.

2. Estimates and no professional advice

Results depend on the information you enter and on the assumptions built into each tool. They may not include taxes, fees, insurance, lender-specific rules, local legal requirements, rounding methods or other circumstances. In particular:

• The profit calculator only includes the costs you enter; it does not prepare business accounts or calculate tax.
• The percentage and discount calculators perform basic arithmetic and do not determine whether a seller's promotion or price is genuine.
• The loan calculator estimates equal monthly payments for a standard fixed-rate amortizing loan. It is not a lender quote, approval or affordability assessment.
• The age calculator provides a calendar-based estimate and is not proof of age or a legal eligibility decision.
• The word counter uses a simple browser-based counting method. Other platforms may count words and characters differently.
• The currency converter displays indicative rates supplied by a third party. It does not guarantee the rate, fees or amount available from a bank or exchange provider.
• The image resizer changes pixel dimensions in your browser. It cannot restore missing image detail and output appearance may vary by browser and format.

Nothing on the website is financial, legal, tax, accounting or other professional advice. Verify important results with the relevant provider, official source or qualified professional before acting on them.

3. Your responsibility when using the tools

You are responsible for checking the values you enter and reviewing results before relying on them. Keep your own copies of important files and original images. Do not enter passwords, payment details or confidential information into the website. You are responsible for ensuring that you have the right to use any image or text you process.

4. Acceptable use

You may use the website only for lawful purposes. You must not attempt to disrupt, overload, reverse engineer or gain unauthorised access to the website or its hosting infrastructure; introduce malicious code; interfere with other visitors; or use the website in a way that infringes another person's rights or violates applicable law.

5. Third-party services and links

The currency converter relies on the Frankfurter public API. The website may also be hosted by a third-party provider and may link to external websites for information. Third-party services are operated independently and may have their own terms, privacy policies, availability limits and technical requirements. We do not control or guarantee their services, data, rates or content. Your use of a third-party service is subject to its applicable terms.

6. Website content and intellectual property

Unless a page states otherwise, the website's original text, design and code are provided by SmartTools Hub and may not be republished as a complete copy for commercial distribution without permission. You may use the tools for ordinary personal or business calculations. You retain responsibility for content you enter, and you must not use material in a way that infringes third-party rights.

7. Availability, changes and corrections

We may change, suspend or discontinue a tool, page or feature, and may correct errors or update content without prior notice. We aim to keep the website available and useful, but do not guarantee uninterrupted access, compatibility with every device, error-free operation or the continued availability of third-party services.

8. Disclaimer and limitation of liability

The website and its content are provided on an “as is” and “as available” basis, to the extent permitted by applicable law. We make no promise that a result will be complete, accurate or suitable for a particular decision. To the maximum extent permitted by applicable law, SmartTools Hub is not responsible for indirect or consequential loss, or loss arising from reliance on an estimate, interruption of service, third-party service or user error. Nothing in these terms excludes or limits liability or rights that cannot lawfully be excluded or limited.

9. Privacy

Your use of the website is also subject to our Privacy Policy, which explains the current browser-based processing and the third-party currency-rate request.

10. Changes to these terms

We may revise these terms as the website or applicable requirements change. The revised version will be published on this page with an updated date. Your continued use of the website after revised terms are published indicates acceptance of the revised terms, to the extent permitted by applicable law.

11. Contact

If you have a question about these terms, please use the details on our Contact page.

Important: These terms are a practical website draft, not legal advice. The operator should obtain appropriate legal review for the countries in which the website is operated and used.