Using the tools
You may use every tool on this site free of charge, for personal or commercial work, without asking permission. You may not attempt to disrupt the site, overload it with automated requests, scrape it at a rate that degrades it for others, or attempt to bypass the advertising that funds it.
Results, estimates and advice
The calculators produce arithmetic results from the figures you enter. They are estimates and general information, not professional, financial, legal, medical or tax advice. A loan or mortgage figure in particular excludes fees, insurance and charges that will change the real cost, and a body mass index is a population screening measure rather than a medical assessment. Take advice from a qualified professional before you act on anything you calculate here.
Your files and your content
PDF and text tools process your content locally in your browser, and we never receive it. You keep all rights to everything you bring to the site and to everything you produce with it. You are responsible for having the right to use the files you process, and for keeping your own copies of anything that matters to you.
Third-party services
Some tools rely on external services: public IP lookup providers, a public DNS resolver, an HTTP header inspection API, a public exchange rate service and the CDN that hosts the JavaScript libraries. Those services are operated by other companies under their own terms and privacy policies, and their availability and accuracy are outside our control. A tool may fail if one of them is unreachable.
Advertising
The site is intended to be funded by advertising. Advertisements are clearly labelled and kept visually distinct from the tools, their buttons and their download controls. We do not control the content of third-party advertisements or the sites they link to, and we do not endorse them.
Disclaimer and liability
The site and its tools are provided as is. We do not warrant that the tools will be uninterrupted, error free, or fit for a particular purpose, and we do not accept liability for loss arising from their use, including decisions made on the basis of a result. To the fullest extent permitted by law, our total liability is limited to the amount you paid for the service, which is nothing.
Intellectual property
The ZMZ Tools name, the site design and the original written content on each page belong to Expert Solution Media LLC. The open-source libraries the tools are built on remain under their own licences. You are welcome to link to any page on this site.
Changes and contact
We may add, change or remove tools and update these terms. Continued use after a change means the updated terms apply. Questions about any of this can be sent through the contact page, which is the fastest route to a reply.