Terms of Service

1. Acceptance of Terms

By accessing or using Codes Hub (https://codes.usepdfhub.com), operated alongside the PDF Hub web suite (usepdfhub.com), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, please discontinue use of the website and embedded tools.

2. Description of Services

Codes Hub provides free, browser-based financial calculation and document generation utilities—including our PDF Invoice Generator, Proforma Invoice & Quote Maker, Payment Receipt Generator, VAT Calculator, Profit Margin & Markup Calculator, and Loan Amortization Calculator. All document rendering and arithmetic execute locally in your web browser without user accounts or cloud storage.

3. No Accounting, Tax, or Legal Advice

The tools, templates, and outputs generated on Codes Hub are provided strictly for convenience and informational purposes and do not constitute certified accounting, tax, financial, or legal advice:

• You are solely responsible for verifying all tax rates, VAT registration numbers, currency conversions, statutory invoice wording, and mathematical totals before issuing documents to clients or tax authorities (such as HMRC or EU tax agencies).
• Loan amortization schedules and profit margin figures are mathematical estimates and may differ from lender-specific compounding rules, fees, or tax treatments.

4. User Content & Acceptable Use

Because Codes Hub processes all inputs client-side, you retain full ownership and responsibility for any business names, client records, logos, and financial figures you enter. You agree not to use Codes Hub to:

• Generate fraudulent, deceptive, counterfeit, or unlawful invoices, receipts, or financial records.
• Infringe upon any third-party trademark, copyright, or intellectual property rights when uploading company logos.
• Attempt to disrupt, scrape, overload, or reverse-engineer our hosting infrastructure or advertising integrations.

5. Embeddable Widgets & Developer License

Website owners, bloggers, and educational portals are granted a free, non-exclusive license to embed Codes Hub calculators using the official iframe snippets on our Developers page, provided you do not strip attribution links, obscure advertisements, or misrepresent Codes Hub as your own proprietary software.

6. Disclaimer of Warranties

Codes Hub is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, or uninterrupted availability. Because we store zero user data on our servers, you are solely responsible for saving and backing up your downloaded PDF files.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Codes Hub, PDF Hub, and their operators shall not be liable for any direct, indirect, incidental, consequential, or special damages—including loss of profits, tax penalties, accounting discrepancies, or business interruption—arising from your use of or inability to use the website or generated PDF documents.

8. Governing Law, Modifications & Contact

These Terms of Service shall be governed by and construed in accordance with the laws of England and Wales. We reserve the right to update or modify these Terms at any time by posting the revised version on this page. For questions regarding these Terms, contact [email protected].