Disclaimer

1. General Information

Omni.Daily ("we," "our," or "us") provides a collection of online tools, calculators, converters, and utilities ("Tools") for general informational purposes. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Tools or the information, products, services, or related graphics contained on the website for any purpose.

Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

2. No Professional Advice

The Tools on this website are NOT professional advice. They are automated calculators and converters that provide general information based on the inputs you provide. The results should be treated as estimates or approximations, not definitive answers.

3. Tool Categories and Specific Limitations

Different tool categories have different limitations and should be used with appropriate caution:

4. Accuracy and Reliability Considerations

While we make every reasonable effort to ensure the accuracy of our Tools, several factors can affect results:

4.1 Mathematical Limitations

• Rounding and Precision: Calculations may involve rounding at various steps. Financial calculations typically use standard formulas but may differ from actual banking calculations.
• Formula Variations: Some calculations (like mortgage amortization) can use different formulas (actuarial method vs. simple interest) producing slightly different results.
• Assumptions: Many calculators make assumptions about frequency of compounding, payment schedules, or growth rates that may not match real-world scenarios.

4.2 Data Currency

• Currency and Exchange Rates: Currency converters use approximate rates that may not reflect real-time market rates, bank fees, or transfer costs.
• Tax Rates and Laws: Tax calculators use general rates and may not reflect recent law changes, local variations, or specific deductions applicable to you.
• Statistical Data: Calculators using statistical data (like life expectancy calculators) use population averages that may not apply to individuals.

4.3 Technical Limitations

• Browser Limitations: Calculations happen in your browser using JavaScript and are subject to JavaScript engine limitations and floating-point precision issues.
• Input Validation: While we validate inputs, unexpected combinations or extreme values may produce unexpected results.
• Algorithm Updates: Algorithms and formulas may be updated, changing results for the same inputs.

5. No Warranties

To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement of intellectual property
• Accuracy, reliability, or completeness of the Tools
• Continuous, uninterrupted, or error-free operation
• That defects will be corrected
• That the website or servers are free of viruses or other harmful components

The Tools are provided "as is" and "as available" without any warranty of any kind. We do not warrant that the Tools will meet your requirements or that the operation of the Tools will be uninterrupted or error-free.

6. Limitation of Liability

In no event shall Omni.Daily, its owners, employees, contractors, affiliates, or licensors be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with:

• Your use of or inability to use the Tools
• Any errors or omissions in the Tools or content
• Any decisions made or actions taken based on Tool outputs
• Any loss of data, profits, revenue, business opportunities, or goodwill
• Any unauthorized access to or alteration of your transmissions or data
• Any statements or conduct of any third party on the website
• Any other matter relating to the Tools or website

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

7. External Links and Third-Party Content

Our website may contain links to external websites and may display content from third-party services. We have no control over the content, privacy policies, or practices of these external sites and services. The inclusion of any links or third-party content does not necessarily imply a recommendation or endorsement of the views expressed within them.

We are not responsible for the content, accuracy, or opinions expressed on such websites, and such websites are not investigated, monitored, or checked for accuracy or completeness by us. When you access external websites, you do so at your own risk.

8. Best Practices for Using Our Tools

We recommend the following best practices when using our Tools:

8.1 Verification and Testing

• Test with Known Values: Verify Tool accuracy with calculations you can manually check or verify through other trusted sources.
• Compare Multiple Sources: Cross-reference results with other tools, professional advice, or authoritative sources.
• Understand the Formulas: Review how calculations work (many Tools include formula explanations) before relying on results.
• Check for Updates: Some Tools may use formulas or data that become outdated. Check the "Last Updated" date when available.

8.2 Appropriate Use

• Use for Estimation Only: Treat all results as estimates for planning and informational purposes.
• Document Your Assumptions: Note the inputs and assumptions used for future reference.
• Consider Context: Understand that real-world situations often have complexities not captured by simple tools.
• Start Conservative: When planning based on calculations, use conservative estimates to account for uncertainties.

9. Updates and Changes to Tools

We reserve the right to update, modify, improve, or discontinue any Tool at any time without notice. Tool formulas, data sources, interfaces, and functionality may change. We are not obligated to update any Tool or to provide notice of changes.

Historical calculations may not be reproducible if Tools are updated. We recommend documenting important calculations rather than relying on the ability to reproduce them later.

10. When to Seek Professional Consultation

For important decisions that could significantly impact your finances, health, legal status, or safety, always consult with qualified professionals:

• Financial Decisions: Consult licensed financial advisors, accountants, or certified financial planners
• Health Decisions: Consult doctors, healthcare providers, or medical specialists
• Legal Decisions: Consult lawyers, attorneys, or legal professionals
• Business Decisions: Consult business advisors, consultants, or industry experts
• Technical/Engineering Decisions: Consult engineers, architects, or technical experts
• Tax Decisions: Consult tax professionals, enrolled agents, or certified public accountants
• Educational Decisions: Consult educators, academic advisors, or career counselors

Our Tools can help you prepare for professional consultations by providing preliminary information and questions to discuss, but they should not replace professional advice.

12. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our practices, Tools, or for other operational, legal, or regulatory reasons. We will notify users of any material changes by:

• Posting the new Disclaimer on this page with an updated "Last Updated" date
• Adding a notice on our homepage for significant changes affecting user rights
• Where required by law, obtaining your consent to changes

You are advised to review this Disclaimer periodically for any changes. Changes to this Disclaimer are effective when they are posted on this page.

13. Governing Law and Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of the jurisdiction in which Omni.Daily operates, without regard to its conflict of law provisions.

Any disputes arising out of or relating to this Disclaimer or the use of our Tools shall be subject to the exclusive jurisdiction of the courts located in that jurisdiction.

14. Severability

If any provision of this Disclaimer is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed modified to the extent necessary to make it valid, legal, and enforceable, or if modification is not possible, severed from this Disclaimer. The remaining provisions shall remain in full force and effect.

15. Entire Agreement

This Disclaimer, together with our Privacy Policy and Terms of Service, constitutes the entire agreement between you and Omni.Daily regarding the use of our Tools and supersedes all prior and contemporaneous understandings, agreements, representations, and warranties.