Terms of Service

Please read these Terms of Service (“Terms”) carefully before using FinCalc. By accessing or using our website, you agree to be bound by these Terms.

1. Informational Purposes Only — Not Financial Advice

The calculators and content on FinCalc are provided for informational and educational purposes only. Nothing on this website constitutes financial, tax, investment, legal, or accounting advice.

Calculator results are estimates based on the inputs you provide and standard financial formulas. Actual results will differ based on factors including but not limited to: your specific credit profile, lender terms, applicable tax rates, fees, local regulations, and market conditions at the time of any transaction.

Before making any financial decision — including taking out a mortgage or loan, making an investment, or planning for retirement — consult with a qualified and licensed financial advisor, tax professional, or attorney.

2. Accuracy of Information

We strive to maintain accurate, up-to-date calculators and content. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information on this website. Any reliance you place on such information is strictly at your own risk.

Tax tables, interest rate assumptions, and regulatory figures are updated periodically but may not always reflect the most current information. Always verify figures with an official source or qualified professional.

3. No Professional Relationship

Use of FinCalc does not create any professional relationship between you andFinCalc or its authors. We are not your financial advisor, accountant, attorney, or fiduciary.

4. Limitation of Liability

To the fullest extent permitted by applicable law, FinCalc and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or relating to your use of this website or reliance on any information provided here.

In no event shall our total liability to you exceed the amount you paid to access the website (which, since our service is free, is zero).

5. Intellectual Property

All content on FinCalc — including text, calculators, designs, and code — is the property of FinCalc or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

You are welcome to link to any page on our website. Calculator results may be shared for personal, non-commercial use.

6. User Conduct

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to any part of the website
• Scrape or reproduce our content at scale without permission
• Use the website in any way that could damage or impair its operation

7. Third-Party Links and Services

Our website may contain links to third-party websites and may display advertisements from third-party networks including Google AdSense. We are not responsible for the content, accuracy, or practices of any third-party website. Links do not constitute endorsement.

We may earn affiliate commissions on some products or services we recommend. This does not affect our editorial independence or the accuracy of our calculators.

8. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the website at any time without notice. We may also update these Terms at any time. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes arising under these Terms shall be resolved in the applicable courts of the United States.

10. Contact

Questions about these Terms? Contact us at legal@fincalc.com.