// Legal

Terms of Service

Effective: January 1, 2026 · Last updated: April 2026

Short version: Use this tool freely. Don't misuse the ads. Results are for informational purposes only — not financial advice. That's the gist.

1. Acceptance of Terms

By accessing and using CostInHours.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. Description of Service

CostInHours.com provides a free online calculator that converts financial expenses into equivalent life hours and estimates opportunity cost versus investing. The Site is free to use and supported by advertising revenue.

3. Not Financial Advice

CostInHours.com does not provide financial, investment, tax, or legal advice. All calculations, figures, and projections are for informational and illustrative purposes only.

The 8% annual investment return represents a commonly cited historical average for diversified market index funds and does not guarantee future performance. Actual investment returns will vary and may be negative. Always consult a qualified financial advisor before making investment decisions.

4. Accuracy of Information

We strive to ensure the calculator produces accurate mathematical results. However, results depend entirely on the inputs you provide. We are not responsible for any decisions made based on calculator outputs.

5. Acceptable Use

You agree not to:

Use the Site for any unlawful purpose
Attempt to interfere with, compromise, or disrupt the Site's systems or security
Use automated tools or bots to access the Site at scale
Click on advertisements fraudulently or encourage others to do so
Reproduce substantial portions of the Site's content without permission

6. Advertising

The Site displays third-party advertisements via Google AdSense. We are not responsible for the content of third-party ads. Fraudulent clicking on ads is strictly prohibited and may violate Google AdSense policies.

7. Intellectual Property

All content on CostInHours.com including the calculator logic, design, text, and branding is the property of CostInHours.com and protected by applicable copyright laws. You may share links to the Site freely. Reproducing the design or code without written permission is not permitted.

8. Disclaimer of Warranties

The Site is provided "as is" without warranties of any kind. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, CostInHours.com shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content.

10. Changes to Terms

We reserve the right to modify these terms at any time. The effective date above will reflect the most recent update. Continued use of the Site after changes constitutes acceptance of the revised terms.

11. Governing Law

These Terms shall be governed by the laws of the United States, without regard to conflict of law principles.

12. Contact

Questions about these terms? Email costinhours@gmail.com or use our Contact page.