Terms of Service
Last Updated: September 2026. Please review these terms and disclaimers before using our tools.
Welcome to HelloTools(“we”, “us”, or “our”), owned and operated by Abdul Rehman in Pakistan. By accessing or using `hellotools.net` (the “Site”) and any of our free calculators, utilities, or blog guides (the “Services”), you agree to be bound by these Terms of Service and Disclaimers.
If you do not agree with any portion of these terms, you must immediately discontinue using the Site.
Important YMYL Disclaimers (Finance & Health)
The content, utilities, and algorithmic calculators available on HelloTools are intended solely for general educational, illustrative, and informational purposes. They are not intended as a substitute for individualized professional advice.
- Informational Estimates Only: Calculators such as the EMI / Loan Calculator, Mortgage Calculator, Auto Loan Calculator, Compound Interest Calculator, Tax Calculator, and Retirement Calculator provide mathematical estimates based on simplified standard formulas.
- Variable Real-World Factors: Results do not reflect specific lender origination fees, compounding schedule nuances, loan tenure adjustments, fluctuating tax code adjustments, local municipality surcharges, or insurance requirements.
- Not Certified Advice: Nothing on HelloTools constitutes certified financial, legal, investment, or tax advice. You should never sign a mortgage contract, loan agreement, or make a major investment solely based on online calculator figures. Always consult a licensed Certified Public Accountant (CPA), qualified financial advisor, or lending officer before making financial commitments.
- General Statistical Benchmarks: Calculators such as the BMI Calculator, Body Fat Percentage Calculator, TDEE Calorie Calculator, Ideal Weight Calculator, Pregnancy Due Date Calculator, and Ovulation Calculator provide statistical estimates based on generalized population formulas (e.g., WHO guidelines, Mifflin-St Jeor equation).
- Not a Diagnostic Tool: These tools do not consider your clinical history, body composition variations (such as athletic muscle mass), pregnancy complications, hormonal cycles, or preexisting conditions.
- Consult a Healthcare Professional: Content on HelloTools is not intended to diagnose, treat, cure, or prevent any illness or physical condition. Always seek the advice of a qualified physician, registered dietitian, or licensed healthcare provider with any medical questions. Never disregard professional medical advice because of a calculation on this website.
3. Permitted Use & Prohibited Actions
You are granted a revocable, non-exclusive, non-transferable license to use HelloTools calculators for personal, educational, or internal business calculations.
You agree NOT to:
- Deploy automated bots, spiders, or scraping scripts to query the calculators in bulk or degrade website performance.
- Incorporate HelloTools inside third-party iframe overlays without prior written consent (except via our official embed widget code).
- Attempt to bypass security measures, disrupt host infrastructure, or reverse-engineer proprietary front-end algorithms.
4. Intellectual Property Rights
The design, brand name, logo, original written guides, UI components, and software code on HelloTools are the intellectual property of Abdul Rehman and are protected by applicable copyright and trademark laws. Standard mathematical formulas themselves remain in the public domain.
5. Disclaimer of Warranties (“As-Is”)
The Site and all tools are provided on an “as is” and “as available” basis without warranties of any kind, whether express, statutory, or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that calculations will be 100% uninterrupted, error-free, or compatible with every browser environment.
6. Limitation of Liability
Under no circumstances shall Abdul Rehman, HelloTools, or its contributors be liable for any direct, indirect, incidental, consequential, special, or exemplary damages—including but not limited to lost profits, loss of data, loan miscalculation losses, business interruption, or health complications—arising out of your access to or reliance on any calculator, guide, or service provided on this website.
7. Governing Law & Jurisdiction
These Terms of Service and any dispute arising out of or related to your use of HelloTools shall be governed by and construed in accordance with the laws of Pakistan, without regard to conflict of law principles.
8. Questions & Support
If you have any questions regarding these Terms of Service or our calculation disclaimers, please reach out directly: