⚖️ Terms of Service

1. Acceptance of Terms

By accessing and using "How Rich Are You?" (the "Service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

"How Rich Are You?" is a free online wealth calculator that compares user-provided income data against global income distribution statistics. The Service provides:

• Income comparison calculations based on global data
• Visual representations of wealth rankings
• Educational content about global income distribution
• Interactive features including sharing capabilities

3. Use of Service

3.1 Permitted Use

You may use the Service for personal, non-commercial purposes to:

• Calculate and compare your income to global statistics
• Learn about global wealth distribution
• Share your results on social media
• Access the Service via a web browser

3.2 Prohibited Use

You agree NOT to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Transmit any viruses, worms, or malicious code
• Attempt to gain unauthorized access to the Service
• Interfere with or disrupt the Service or servers
• Scrape, copy, or reproduce the Service without permission
• Use automated systems (bots, crawlers) to access the Service
• Misrepresent your identity or affiliation

4. Disclaimer of Warranties

• Accuracy: While we strive for accuracy, income distribution data may not be 100% current or precise
• Reliability: The Service may experience downtime or technical issues
• Fitness: The Service may not meet your specific requirements
• Completeness: Information provided is for educational purposes only

5. Not Financial Advice - Income Calculator Disclaimer

6. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Decisions made based on information from the Service
• Errors or inaccuracies in the data or calculations
• Service interruptions or technical failures
• Unauthorized access to or alteration of your data

In no event shall our total liability exceed $100 USD or the amount you paid to use the Service (which is $0).

7. Intellectual Property

The Service and its original content, features, and functionality are owned by "How Rich Are You?" and are protected by:

• International copyright laws
• Trademark laws
• Other intellectual property rights

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Third-Party Services

The Service uses third-party services including:

• Google Analytics: For website analytics and usage tracking
• Google AdSense: For displaying advertisements
• Tailwind CSS: For styling and design
• Canvas Confetti: For visual effects

These services have their own terms of service and privacy policies. We are not responsible for their content or practices.

9. Advertising & Google AdSense

The Service displays advertisements through Google AdSense to support our free service. By using the Service, you acknowledge and agree to the following:

9.1 Advertisement Display

• Advertisements may be displayed throughout the Service
• Ad placement and content are determined by Google AdSense
• Ads may be personalized based on your interests (if you consent)
• We reserve the right to change ad placements and formats

9.2 Your Responsibilities

• We are not responsible for advertiser content, claims, or offers
• Clicking on ads and any subsequent actions are at your own risk
• We do not endorse products or services advertised through AdSense
• Any transactions with advertisers are between you and the advertiser

9.3 AdSense Policies

Google AdSense has its own policies and terms that govern how ads are displayed and how data is collected. By using our Service, you also agree to:

• Google's use of cookies and data collection for advertising purposes
• The display of personalized or non-personalized ads based on your consent
• Google's right to measure ad performance and prevent fraud

You can manage your ad preferences through Google Ads Settings.

9.4 Ad Blocking

While you may use ad-blocking software, please note that:

• Ads help keep our Service free for everyone
• Ad-blocking may affect some functionality
• We reserve the right to limit access if ads are blocked

10. Data Accuracy

Our income distribution data is based on publicly available research and statistics. While we make reasonable efforts to ensure accuracy, we cannot guarantee that all data is current or completely accurate. Income distributions change over time, and our calculations are approximations.

11. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

12. Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of any material changes by:

• Updating the "Last Updated" date at the top of these Terms
• Posting a notice on the Service
• Continuing to use the Service after changes constitutes acceptance

13. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Violation of applicable laws
• Fraudulent or illegal activity
• At our discretion for any reason

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions. Any disputes arising from these Terms or use of the Service shall be resolved in the courts of [Your Jurisdiction].

(Note: Please specify your jurisdiction)

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

16. Contact Information

If you have any questions about these Terms, please contact us: