Use it freely.
Outputs are tools, not advice.

By accessing or using Nivesly Tools at https://www.nivesly.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms in full, you must stop using the Site immediately.

These terms apply to all visitors, users, and others who access the Site. Your continued use of the Site following any changes to these terms constitutes acceptance of those changes.

Nivesly Tools provides free, browser-based tools including:

• Financial calculators — mortgage, loan, investment, retirement, debt payoff, compound interest, inflation, salary, budget, savings goal, and more.
• Health & lifestyle calculators — BMI, calorie needs, body fat percentage, pregnancy due date.
• Automotive calculators — fuel cost, fuel economy, car depreciation, EV charging time, tire size, speedometer error, horsepower-to-weight, towing capacity, wheel offset, brake pad life, oil change interval, and more.
• Image converters & tools — compress, resize, crop, rotate, watermark, and convert between JPG, PNG, WebP, HEIC, SVG, and PDF formats.
• PDF tools — merge, split, rotate, reorder, extract, and delete pages; add watermarks; protect and unlock PDFs; edit PDF metadata.
• Generators — password generator, strong password generator with entropy scoring, UUID generator, QR code generator, Lorem Ipsum generator, random number generator.
• Developer & text utilities — JSON formatter/validator, Base64 encoder/decoder, URL encoder/decoder, hash generator, timestamp converter, regex tester, text diff, CSV↔JSON converter, slug generator, word counter, text case converter, and more.
• Color tools — color picker, HEX↔RGB converter, gradient generator, contrast checker (WCAG AA/AAA), and color palette extractor.

The Site is operated as a personal project by a single individual. It is not a financial institution, healthcare provider, law firm, or professional services business of any kind.

The Site is free to use and currently supported by volunteer effort. Advertisements may be introduced in the future to cover hosting and maintenance costs. If and when ads are displayed, they will be clearly separate from tool content and will not affect the privacy of your inputs.

By using this Site, you also agree to our Privacy Policy, which describes how we use Google Analytics, how Google AdSense works, and how your tool inputs remain private on your device.

The tools on this Site are intended as practical utilities and educational starting points. They are useful for everyday tasks and building intuition — not for replacing professional analysis tailored to your specific circumstances.

We make reasonable efforts to ensure that calculator formulas are accurate, that conversions are correct, and that tool outputs are reliable. However, we make no warranties or representations, express or implied, regarding the accuracy, completeness, or fitness for purpose of any content or tool output on this Site.

Financial markets, interest rates, tax rules, and health guidelines change. Image and file conversion results may vary depending on source quality, browser version, and file type. Automotive specifications vary by make, model, and year. Information and outputs that are correct today may be limited or outdated in certain circumstances. You are responsible for verifying any information or output you rely upon.

You may use the Site for personal, non-commercial, informational purposes. You agree not to:

• Scrape, crawl, or systematically download content for commercial redistribution.
• Attempt to reverse-engineer, copy, or reproduce the calculators, converters, or other tools for competing products without permission.
• Use the Site in any way that violates applicable law or regulation.
• Introduce malicious code, bots, or automated queries that degrade the Site's performance for other users.
• Use the PDF or image processing tools to handle files you do not have the rights or permission to process.

You may share links to the Site and reference its content with appropriate attribution.

All original content on this Site — including article text, calculator and tool designs, UI layouts, and code — is owned by the Site operator and protected by copyright. You may not reproduce, republish, or redistribute content without explicit written permission.

Financial formulas, mathematical methodologies, and physical/engineering formulas used in the calculators are based on public domain knowledge and are not claimed as proprietary.

The Site may link to external websites for reference purposes. We have no control over and take no responsibility for the content, privacy practices, or reliability of any third-party sites. A link to an external resource does not constitute an endorsement.

To the fullest extent permitted by applicable law, the Site operator shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of, or inability to use, the Site.
• Any errors or inaccuracies in calculator results, converter outputs, or any other tool output.
• Any financial, health, legal, automotive, or other decisions made in reliance on information from this Site.
• Any loss or corruption of files processed using the image or PDF tools.
• Any unauthorized access to or alteration of data processed in connection with your use of the Site.

This limitation applies regardless of whether the damages arise from contract, tort, strict liability, or any other theory, even if the Site operator has been advised of the possibility of such damages.

The Site is provided "as is" and "as available" without any warranties of any kind, either express or implied. We disclaim all warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that any tool output — including converted files or processed PDFs — will meet your specific requirements.

These terms are governed by and construed in accordance with applicable law. Any disputes arising out of or in connection with these terms or your use of the Site shall be subject to the exclusive jurisdiction of the appropriate courts.

We reserve the right to update these terms at any time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the Site after any changes constitutes your acceptance of the new terms. We encourage you to review this page periodically.

Questions about these terms can be directed to: info@nivesly.com