Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User", "you") and NJMCdirect Tools ("we", "us", "our") governing your access to and use of the website njmcdirect.shop and all associated tools, features, and content (collectively, the "Service").

2. Description of Service

NJMCdirect Tools provides free, browser-based utility calculators and planning tools on njmcdirect.shop. All tools are provided free of charge for personal use. We reserve the right to modify, update, or discontinue tools at any time.

3. Permitted Use

You may use NJMCdirect Tools solely for personal, non-commercial calculation and utility purposes.

4. Prohibited Activities

You must not:

• Reproduce, duplicate, copy, or resell any part of our service without written permission
• Scrape, crawl, or systematically download content using automated bots
• Attempt to interfere with website operation or security
• Transmit malware or harmful scripts

5. Intellectual Property

All software code, visual styling, components, and textual design on njmcdirect.shop are the intellectual property of NJMCdirect Tools.

6. Non-Affiliation & Accuracy Disclaimer

Important Notice: njmcdirect.shop is an independent informational and utility website. We are not affiliated with, endorsed by, authorized by, or associated with the State of New Jersey, the New Jersey Courts system, or the official NJMCdirect payment portal.

All tool results are indicative calculations intended for reference only.

7. Advertising

We may display third-party advertisements to support the free operation of this service.

8. Third-Party Links

External links to official resources or third-party websites are provided for reference only.

9. Limitation of Liability

To the maximum extent permitted by applicable law, NJMCdirect Tools shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of the website.

10. Indemnification

You agree to indemnify and hold harmless NJMCdirect Tools and its operators from any claims arising from violation of these Terms.

11. Service Changes

We reserve the right to update these Terms or modify tools at any time.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable general consumer and internet laws.

13. Contact Us

For questions about these Terms:

• Website: njmcdirect.shop/contact.html
• Email: support@njmcdirect.shop