Terms of Use

👋 Agreement to Terms

Welcome to CalcFinance.org ("we", "us", or "our"). By accessing or using this website and its calculators, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please discontinue use of the site.

🧮 Use of Our Calculators

CalcFinance.org provides free financial calculators covering mortgages, loans, compound interest, credit card payoff, retirement, savings goals, home affordability, tax brackets, net worth, and salary conversion.

• All calculators are free to use with no signup, account, or payment required
• Calculations are performed entirely in your browser — we do not process or store your inputs
• You may use the calculators for personal, non-commercial, and informational purposes
• You may not attempt to copy, scrape, or republish our calculator tools or underlying code without permission

⚠️ Not Financial, Tax, or Legal Advice

The content and calculators on CalcFinance.org are provided for general informational and educational purposes only. Nothing on this site constitutes financial, investment, tax, or legal advice.

Always consult a qualified financial advisor, CPA, or mortgage professional before making significant financial decisions based on information found on this site.

📊 Accuracy of Information

We make reasonable efforts to ensure our calculators use accurate formulas and up-to-date figures (such as tax brackets). However, we do not guarantee that any calculation, article, or piece of content on this site is complete, current, or error-free.

• Tax bracket figures are based on published rates for the stated tax year and may not reflect later updates
• Mortgage and loan estimates do not account for PMI, HOA fees, insurance, or lender-specific terms
• Retirement and investment projections assume a fixed rate of return, which is not guaranteed

Results should be treated as estimates, not guarantees, and verified against your own lender, employer, or tax authority figures.

🛡️ Limitation of Liability

To the fullest extent permitted by law, CalcFinance.org and its owner shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this site or its calculators.

This includes, without limitation, financial losses or decisions made based on calculator results, content inaccuracies, or site downtime. The site and all tools are provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

📢 Advertising

CalcFinance.org displays advertisements served through Google AdSense to keep our tools free. We do not control the specific content of third-party ads. Clicking on or interacting with any advertisement is at your own discretion and risk.

See our Privacy Policy for details on how advertising partners may use cookies and data.

©️ Intellectual Property

All content on CalcFinance.org, including text, design, calculator logic, and branding, is owned by us unless otherwise stated. You may not reproduce, distribute, or create derivative works from our site without prior written permission, except for personal, non-commercial use.

🔗 Third-Party Links

Our site may link to external resources such as government tax pages or financial education sites. We are not responsible for the content, accuracy, or practices of any third-party website, and linking does not imply endorsement.

🔄 Changes to These Terms

We may revise these Terms of Use at any time. Updates will be posted on this page with a new "last updated" date. Your continued use of CalcFinance.org after changes are posted constitutes acceptance of the revised terms.

🌍 Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from use of this site shall be resolved in accordance with those laws.