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Terms of Service

Last updated: April 23, 2025

1. Acceptance of Terms

BY ACCESSING OR USING OUR CALCULATORS AND TOOLS, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ALL TERMS, DO NOT USE THE SERVICE.

These tools are provided "AS IS" and "AS AVAILABLE" without any warranties or guarantees of accuracy, reliability, or fitness for any particular purpose.

2. Disclaimer of Warranties

We explicitly disclaim:

  • Any guarantee of accuracy in calculations or results
  • Freedom from programming errors or bugs
  • Suitability for any specific purpose
  • Reliability of any financial advice or recommendations
  • Completeness or currency of information

Results may contain errors due to rounding, programming limitations, or data input issues.

3. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

  • Any direct, indirect, incidental, special, or consequential damages
  • Financial losses resulting from reliance on calculations
  • Decisions made based on tool outputs or recommendations
  • Errors in calculations or mathematical formulas
  • Data loss or security breaches
  • Service interruptions or technical issues

4. Professional Advice Disclaimer

Our calculators and tools:

  • Do NOT constitute professional financial advice
  • Should NOT be used as the sole basis for financial decisions
  • Cannot replace consultation with qualified professionals
  • May not account for all variables in your specific situation

ALWAYS consult with qualified financial advisors, mortgage professionals, accountants, or legal professionals before making any financial decisions.

5. Use Restrictions

Users must not:

  • Attempt to circumvent or disable any security features
  • Use automated systems to access or scrape data
  • Reverse engineer or modify the tools
  • Use the service for illegal purposes
  • Share access or redistribute calculator outputs

6. Accuracy and Updates

While we strive for accuracy, our tools:

  • May contain technical or mathematical errors
  • Could use outdated formulas or assumptions
  • Might not reflect recent regulatory changes
  • May not account for regional variations

We reserve the right to modify calculations, formulas, and features without notice.

7. Indemnification

You agree to indemnify and hold harmless our company, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from:

  • Your use of our calculators and tools
  • Decisions made based on calculator results
  • Violations of these terms
  • Infringement of third-party rights

8. Changes to Terms

We reserve the right to modify these terms at any time without notice. Continued use of our services constitutes acceptance of updated terms.

FINAL DISCLAIMER: The calculators and tools provided are for illustrative and estimation purposes only. They may contain errors, omissions, or inaccuracies. Never make financial decisions based solely on these tools without professional consultation. Past performance or estimates do not guarantee future results.