Terms of Service

1. Acceptance of Terms

By accessing or using VSTSAONE, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the App.

2. Description of Service

VSTSAONE is a mobile application that provides financial calculation tools including:

• Loan Calculator for mortgages and car loans
• Investment Calculator for compound interest and returns
• Tax Calculator for income tax estimation
• Tip Calculator for bill splitting
• Currency Converter for currency exchange

The App operates entirely offline and does not store, transmit, or collect any personal or financial data.

3. Use of the Service

You agree to use VSTSAONE only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the App in any way that violates any applicable law or regulation
• Attempt to reverse engineer, decompile, or disassemble the App
• Remove or alter any copyright, trademark, or other proprietary notices
• Use the App for any commercial purpose without authorization

4. Privacy and Data

VSTSAONE is designed with privacy in mind:

• The App does not collect, store, or transmit any personal information
• All calculations are performed locally on your device
• No data is sent to external servers
• No user accounts or registration is required

For more information, please review our Privacy Policy.

5. Disclaimer of Warranties

VSTSAONE is provided "as is" and "as available" without warranties of any kind, either express or implied. While we strive to provide accurate calculations, we do not guarantee:

• The accuracy, completeness, or usefulness of any calculations
• That the App will be available at all times or error-free
• That any defects will be corrected

You are responsible for verifying the accuracy of calculations for your specific financial situation.

6. Limitation of Liability

To the maximum extent permitted by law, VSTSAONE and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the App.

7. Intellectual Property

The App, including its design, features, and functionality, is owned by VSTSAONE and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the App without express written permission.

8. Termination

We reserve the right to terminate or suspend your access to the App at any time, with or without cause or notice, for any reason, including if you breach these Terms.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by updating the "Last updated" date. Your continued use of the App after such changes constitutes acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

11. Contact Information

If you have any questions about these Terms, please contact us at: