Disclaimer

1. No Financial Advice

Financial Calculators does not provide financial, investment, tax, or legal advice. The calculators and content on this website are tools to help you understand financial concepts and estimate potential outcomes. They should not be used as the sole basis for financial decisions.

Always consult with qualified professionals (financial advisors, CPAs, attorneys) before making important financial decisions.

2. Accuracy of Calculations

While we make every effort to ensure our calculators are accurate and up-to-date:

• Calculations are estimates and may not reflect actual results
• Tax laws, interest rates, and regulations change frequently
• Individual circumstances vary and affect outcomes
• Historical performance does not guarantee future results
• We do not guarantee the accuracy, completeness, or timeliness of any information

3. Calculator Limitations

Our calculators have limitations:

• Simplifications: Calculators use simplified models and may not account for all variables
• Assumptions: Results depend on assumptions that may not apply to your situation
• Tax Estimates: Tax calculators use general federal rates and don't include state/local taxes
• Investment Returns: Projected returns are hypothetical and not guaranteed
• Market Changes: Financial markets and economic conditions change constantly

4. No Warranty

THE WEBSITE AND ALL CALCULATORS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

5. Limitation of Liability

Financial Calculators and its operators shall not be liable for:

• Any financial losses resulting from use of our calculators
• Decisions made based on calculator results
• Errors, inaccuracies, or omissions in calculations or content
• Loss of data or interruption of service
• Any direct, indirect, incidental, or consequential damages

6. Tax Disclaimer

Tax calculators provide estimates only:

• Tax laws are complex and change frequently
• Results may not include state, local, or AMT taxes
• Your actual tax liability may differ significantly
• Consult a licensed tax professional or CPA for tax advice
• We are not responsible for tax filing errors based on our calculators

7. Investment Disclaimer

Investment calculators and projections:

• Are hypothetical and for illustrative purposes only
• Do not represent actual investment results
• Do not guarantee future performance
• May not reflect fees, expenses, or taxes
• Cannot predict market fluctuations or economic changes

Past performance does not indicate future results. All investments carry risk, including potential loss of principal.

8. Loan and Mortgage Disclaimer

Loan and mortgage calculators provide estimates only. Actual loan terms, interest rates, fees, and requirements vary by lender. Always compare offers from multiple lenders and read all loan documents carefully before signing.

9. Third-Party Content

Our website may contain links to third-party websites or display third-party advertisements. We are not responsible for the content, accuracy, or practices of third parties. Your use of third-party sites is at your own risk.

10. Educational Purpose

This website is designed to educate users about financial concepts and provide tools for preliminary planning. It is not a substitute for professional advice tailored to your specific circumstances.

11. User Responsibility

By using this website, you acknowledge and agree that:

• You are solely responsible for your financial decisions
• You will verify all calculations independently
• You will consult with qualified professionals before acting
• You understand the limitations and disclaimers stated here
• You use this website entirely at your own risk

12. Changes to Disclaimer

We reserve the right to update this disclaimer at any time. Changes will be effective immediately upon posting. Please review this page periodically for updates.

13. Contact

If you have questions about this disclaimer: