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SnapFi

Terms & Conditions

Last updated: September 7, 2026

1. Acceptance of Terms

By accessing or using SnapFi (the "Service"), a product of Netmark ("Company," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must not access or use the Service. Your continued use of the Service constitutes your acceptance of these Terms and any future modifications.

2. Description of Service

SnapFi is a web-based educational tool that provides financial calculators (covering time value of money, loans, equity and bond valuation, options, capital budgeting, and financial-statement analysis) and a reference glossary of financial formulas. The Service is provided for informational and educational purposes only. The Service is not a financial advisory service, investment advisory service, tax advisory service, or legal advisory service.

3. No Financial Advice

The Service does not provide financial, investment, tax, legal, or accounting advice. All calculations, formulas, examples, glossary content, and other information provided through the Service are for general educational and informational purposes only. Nothing contained in or provided through the Service constitutes a solicitation, recommendation, endorsement, or offer by the Company to buy or sell any securities, financial instruments, or other assets, or to provide any financial advice or service.

You should not rely on the Service as a substitute for, nor does it replace, professional financial, investment, tax, legal, or accounting advice. Always seek the advice of qualified professionals regarding your specific financial situation before making any financial decisions.

4. No Warranty; Accuracy Disclaimer

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by applicable law, the Company disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the foregoing, the Company makes no warranty or representation that:

  • The calculations, formulas, or results provided by the Service are accurate, complete, reliable, current, or error-free;
  • The Service will meet your requirements or expectations;
  • The Service will be uninterrupted, timely, secure, or free from errors, viruses, or other harmful components;
  • Any errors or defects in the Service will be corrected;
  • The results obtained from using the Service will be accurate, reliable, or suitable for any particular purpose.

Calculations may contain errors due to rounding, floating-point arithmetic limitations, software bugs, or other factors. You are solely responsible for independently verifying any calculations or results before relying on them for any purpose.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

  • Your access to, use of, or inability to use the Service;
  • Any calculations, results, content, or information obtained from or through the Service;
  • Any errors, inaccuracies, omissions, or other defects in the Service or its content;
  • Any financial decisions or actions taken or not taken based on information provided by the Service;
  • Any unauthorized access to or alteration of your data or transmissions;
  • Any other matter relating to the Service.

IN NO EVENT SHALL THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE EXCEED THE AMOUNT YOU PAID TO THE COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE DOLLAR ($1.00), WHICHEVER IS GREATER.

The limitations of liability set forth above are fundamental elements of the basis of the agreement between you and the Company. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, the Company's liability shall be limited to the greatest extent permitted by applicable law.

6. Assumption of Risk

You expressly acknowledge and agree that your use of the Service is at your sole risk. You assume full responsibility for any decisions made or actions taken based on information provided by the Service. The Company shall not be responsible or liable for any losses, damages, or costs of any kind arising from or related to your reliance on any calculations, formulas, examples, or other content provided through the Service.

7. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of any third party; or (d) any financial decisions or actions taken based on information obtained through the Service.

8. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, software, and code, are the exclusive property of the Company and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Service without the prior written consent of the Company.

9. User Conduct

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
  • Attempt to interfere with, compromise, or disrupt the Service or its underlying infrastructure;
  • Reverse engineer, decompile, or disassemble any portion of the Service;
  • Use any automated means to access the Service without prior written permission;
  • Misrepresent the results obtained from the Service as certified, guaranteed, or professionally verified calculations.

10. Data and Privacy

The Service performs all calculations locally in your web browser. We do not collect, store, transmit, or process any personal data, financial information, or calculation inputs that you enter into the Service. Calculation history is stored exclusively in your browser's local storage and is not accessible to us. We are not responsible for the security of data stored in your browser's local storage.

11. Third-Party Links and Content

The Service may contain links to third-party websites or resources. The Company has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites or services. Your use of third-party websites is at your own risk and subject to the terms and conditions of those sites.

12. Modifications to Terms

The Company reserves the right to modify these Terms at any time, at its sole discretion. Changes will be effective immediately upon posting. Your continued use of the Service after any changes constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

13. Modifications to Service

The Company reserves the right to modify, suspend, or discontinue the Service (in whole or in part) at any time, with or without notice, and without liability to you.

14. Termination

The Company may terminate or restrict your access to the Service at any time, for any reason, without notice or liability. Upon termination, all provisions of these Terms that by their nature should survive shall survive, including but not limited to warranty disclaimers, limitations of liability, indemnification, and dispute resolution provisions.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Idaho, United States, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in the State of Idaho, and you consent to the personal jurisdiction of such courts.

16. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its original intent.

17. Entire Agreement

These Terms constitute the entire agreement between you and the Company regarding the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

18. Waiver

The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms shall be effective only if in writing and signed by the Company.

19. Contact

If you have questions about these Terms, please contact us at netmark.com.