Educational Purpose Only: This calculator provides estimates for educational purposes only. We are NOT financial advisors, tax professionals, or legal experts. Always consult qualified professionals before making financial decisions.

Terms of Service

Effective Date: 9/9/2025

1. Acceptance of Terms

By accessing and using Smart Financial Calculator ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Smart Financial Calculator provides free online financial calculators for educational and informational purposes. Our calculators include:

  • Mortgage and loan calculators
  • Investment and retirement planning tools
  • Budget and savings calculators
  • Tax and income calculators
  • Other financial planning tools

3. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. The calculations and information provided by our calculators are for educational purposes only and should not be considered as professional financial advice.

  • Results are estimates based on the information you provide
  • Actual results may vary based on many factors
  • We do not guarantee the accuracy, completeness, or timeliness of calculations
  • Always consult with qualified financial professionals for important decisions

4. Limitation of Liability

Smart Financial Calculator and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from:

  • Your use or inability to use the Service
  • Any errors or omissions in calculations
  • Financial decisions made based on calculator results
  • Any other matter relating to the Service

5. Use Restrictions

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Service
  • Scrape or harvest data from the Service without permission
  • Use automated systems or software to extract data
  • Misrepresent the source or ownership of our content

6. Intellectual Property

All content on Smart Financial Calculator, including text, graphics, logos, and software, is the property of Smart Financial Calculator or its content suppliers and is protected by intellectual property laws.

7. Third-Party Content

Our Service may contain links to third-party websites or display third-party advertisements. We are not responsible for the content, accuracy, or opinions expressed on such websites, and such websites are not investigated, monitored, or checked for accuracy by us.

8. Indemnification

You agree to indemnify and hold harmless Smart Financial Calculator, its operators, and affiliates from any claims, losses, damages, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the Service after any modifications indicates your acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

11. Contact Information

For questions about these Terms of Service, please contact us at:

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