Terms of Service

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS APPLICATION. BY USING THIS APPLICATION, YOU AGREE TO BE BOUND BY THESE TERMS.

1. Acceptance of Terms

By accessing or using Commission Calculator ("the Application"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Application.

2. Description of Service

Commission Calculator is a free, client-side web application that provides tools for calculating and tracking insurance commissions. The Application is provided "as is" without any warranties or guarantees.

3. User Responsibility for Accuracy

YOU ARE SOLELY RESPONSIBLE FOR VERIFYING THE ACCURACY OF ALL CALCULATIONS PRODUCED BY THIS APPLICATION. The Application is intended as a convenience tool only and should not be relied upon as the sole source of truth for any financial calculations or decisions.

You acknowledge and agree that:

• All calculations must be independently verified by you before being used for any purpose
• You are responsible for the accuracy of all data you input into the Application
• Mathematical calculations may contain errors, bugs, or inaccuracies
• The Application is not a substitute for professional financial, accounting, or legal advice
• You should consult with qualified professionals for important financial decisions

4. Disclaimer of Warranties

THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
• WARRANTIES OF ACCURACY, RELIABILITY, OR COMPLETENESS
• WARRANTIES THAT THE APPLICATION WILL BE ERROR-FREE
• WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE APPLICATION IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE APPLICATION'S CREATORS, DEVELOPERS, OWNERS, OPERATORS, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or income
• Loss of data or business opportunities
• Financial losses resulting from calculation errors
• Damages arising from reliance on the Application
• Any other damages arising out of or related to your use of the Application

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.

6. Hold Harmless and Indemnification

You agree to defend, indemnify, and hold harmless the Application's creators, developers, owners, operators, and their respective officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Application
• Your violation of any term of these Terms
• Your reliance on any calculation or output from the Application
• Any claim that your use of the Application caused damage to a third party

7. Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Application, including the breach, termination, enforcement, interpretation, or validity thereof, shall be resolved by binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.

Arbitration Rules: The arbitration shall be conducted by a single arbitrator in accordance with the rules of the American Arbitration Association ("AAA") Consumer Arbitration Rules, which are available at www.adr.org or by calling 1-800-778-7879.

Location: The arbitration shall take place in the United States, in a location mutually agreed upon by the parties or determined by the arbitrator.

Costs: Each party shall bear its own costs and expenses, including attorney's fees, unless the arbitrator determines otherwise.

8. Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against the Application's creators or any related parties.

9. Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE APPLICATION.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the federal or state courts located in the United States.

11. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

12. Entire Agreement

These Terms constitute the entire agreement between you and the Application's creators regarding the use of the Application and supersede all prior agreements and understandings.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Your continued use of the Application after any changes indicates your acceptance of the modified Terms.

14. Contact

If you have questions about these Terms, you may contact us through the channels where this application was shared.