Terms of Use

1. Acceptance of Terms

By using this website, you agree to these Terms of Use. If you don't agree, please don't use the site. It's that simple.

2. Use of Calculators

The calculators on this site are provided "as is" for informational purposes. While I strive for accuracy, I can't guarantee that every result is 100% perfect for your specific situation.

You use these calculators at your own risk. I'm not liable for any decisions you make based on the results. If you're making a major financial or health decision, verify the numbers with a professional.

3. Accuracy of Information

I use industry-standard formulas and cross-check my math. But things change—tax laws, medical guidelines, interest rates. If you find an error, please let me know at [email protected].

4. Prohibited Uses

Don't be a jerk. Specifically, you agree not to:

• •Try to hack, break, or reverse-engineer the site
• •Scrape the content for commercial purposes without permission
• •Use the site to spam, phish, or distribute malware
• •Violate any laws or regulations

5. Intellectual Property

I own the code, design, and content on this site (except for open-source components, which have their own licenses). You're welcome to use the calculators for personal or commercial purposes, but don't copy the entire site and claim it as your own.

6. Limitation of Liability

Here's the legal stuff: I'm not liable for any damages arising from your use of this site. This includes direct, indirect, incidental, or consequential damages.

In plain English: If you make a bad financial decision based on a calculator result, that's on you. If the site goes down and you can't access it, I'm not responsible. If you lose money, time, or sleep over something related to this site, I'm not liable.

7. Changes to Terms

I might update these terms occasionally. If I make significant changes, I'll update the "Last Updated" date. By continuing to use the site after changes are posted, you agree to the new terms.

8. Termination

I reserve the right to terminate or restrict your access to the site at any time, for any reason, without notice. (Though I probably won't unless you're doing something really bad.)

9. Third-Party Links

This site may contain links to other websites. I'm not responsible for the content or practices of those sites. Click at your own risk.

10. Governing Law

These terms are governed by the laws of the United States. Any disputes will be resolved in accordance with those laws.