Terms of Service

Last Updated: [Insert Date]

1. Service Description

ECMONU provides financial calculation tools that:

• Project future purchasing power based on inflation
• Calculate historical value of past amounts
• Use standard financial formulas
• Provide estimates only, not financial advice

2. Proper Use

You agree to use our calculator:

• For personal, non-commercial purposes
• Without misrepresenting results as financial advice
• Without attempting to reverse-engineer our algorithms

3. Accuracy Limitations

Actual financial outcomes may differ due to:

• Changes in actual inflation rates
• Economic conditions and market volatility
• Tax law modifications
• Personal financial circumstances

4. Intellectual Property

All calculation methodologies, interfaces, and content are proprietary to ECMONU and protected by intellectual property laws.

Financial Disclaimer

1. Not Financial Advice

ECMONU is not a financial advisor and our tools:

• Provide hypothetical calculations only
• Don't consider your personal circumstances
• Should not replace professional financial advice

2. Economic Assumptions

Our calculations rely on:

• User-provided inflation rate assumptions
• Simplified economic models
• Historical data patterns that may not continue

3. No Guarantees

ECMONU doesn't guarantee:

• Accuracy of future projections
• That results will match actual economic outcomes
• Suitability for specific financial decisions

4. Professional Consultation

We strongly recommend:

• Consulting with a licensed financial advisor
• Considering your complete financial picture
• Reviewing multiple economic forecasts