Disclaimer

NO PROFESSIONAL ADVICE OR FIDUCIARY RELATIONSHIP

Smart Financial Calculator DOES NOT provide financial, investment, tax, legal, or accounting advice. We are NOT licensed professionals in any financial field. The calculators and content on this website are provided SOLELY for general information and educational purposes.

NO FIDUCIARY DUTY: Using our calculators does NOT create any professional-client relationship. We do not have a fiduciary duty to you. We are not responsible for any decisions you make based on information from this website.

Always consult with qualified professionals before making any financial decisions:

• Certified Financial Planners (CFP) for financial planning
• Certified Public Accountants (CPA) for tax matters
• Licensed attorneys for legal matters
• Licensed mortgage brokers for home loans
• Registered investment advisors for investment decisions

Accuracy of Calculations

While we strive to provide accurate calculators:

• Results are estimates based on the information you provide
• Actual results may vary significantly
• We cannot guarantee the accuracy of calculations
• Tax laws, interest rates, and regulations change frequently
• Individual circumstances vary greatly

Investment Risk Disclosure

For investment-related calculators:

• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal
• Calculator projections are hypothetical and not guarantees
• Market volatility can significantly impact actual returns
• Diversification strategies do not ensure profit or protect against loss

Tax Disclaimer

For tax-related calculators:

• Tax laws are complex and change frequently
• Calculator results are simplified estimates
• State and local taxes vary by jurisdiction
• Individual tax situations are unique
• Always consult a tax professional for tax advice

Mortgage and Loan Disclaimer

For loan-related calculators:

• Actual loan terms depend on creditworthiness
• Interest rates change daily
• Additional fees and costs may apply
• Qualification requirements vary by lender
• Calculator results are not loan offers or pre-approvals

No Warranty

This website and all calculators are provided "as is" without warranty of any kind, either expressed or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

Limitation of Liability

Under no circumstances shall Smart Financial Calculator, its operators, employees, or affiliates be liable for any damages whatsoever, including but not limited to:

• Direct, indirect, or consequential damages
• Loss of profits or income
• Loss of data or information
• Financial losses
• Any damages arising from use or inability to use our calculators

YOUR SOLE RESPONSIBILITY AND ASSUMPTION OF RISK

BY USING OUR CALCULATORS, YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT:

• You are SOLELY and ENTIRELY responsible for ALL financial decisions you make
• You WILL verify all calculations independently with qualified professionals
• You WILL seek professional advice BEFORE making any financial decisions
• You UNDERSTAND that online calculators are simplified tools with significant limitations
• You ACCEPT ALL RISKS associated with using our tools
• You WILL NOT rely solely on our calculators for any financial decision
• You UNDERSTAND that we are NOT professionals and cannot provide personalized advice

REGULATORY COMPLIANCE NOTICE

Smart Financial Calculator is NOT registered with:

• The Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• Any state securities regulator
• Any professional licensing board
• The IRS or any tax authority
• Any bar association or legal regulatory body

We are NOT authorized to provide investment advice, tax guidance, or legal counsel in any jurisdiction.

Contact Us

If you have questions about this disclaimer, please contact:

Email: smartfinancialcalc@gmail.com
Website: smartfinancialcalc.com