Terms of use
Last updated . These terms apply to your use of Smart Financial Calc, a website operated by an individual in New York, United States (“the operator”). By using the site, you agree to them. If you don’t agree, please don’t use the site.
Using the site
You may use the calculators and read the content free of charge for your own purposes. Please don’t interfere with the site’s operation or security, overload it with automated requests, republish substantial parts of its content as your own, or use it for anything unlawful.
Estimates, not advice
Results are educational estimates based on the numbers and assumptions you enter. They are not financial, investment, tax, legal, lending or medical advice, and they are not quotes or offers. You are responsible for the decisions you make. For decisions that matter, check the figures with official sources and, where appropriate, a qualified professional. The disclaimer explains the limits of each kind of calculator.
No warranty
The calculations are built and tested with care (see the methodology), but the site is provided “as is” and “as available”. To the extent the law allows, no warranty of any kind is given, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose or uninterrupted availability.
Limitation of liability
To the fullest extent the law allows, the operator is not liable for any loss or damage arising from your use of, or reliance on, the site or its results, including indirect or consequential loss. Nothing in these terms excludes or limits liability that cannot be excluded or limited by law.
Content
The site’s text, code and design are protected by copyright and belong to the operator unless a page says otherwise. Formulas and facts belong to no one: each page cites the sources it relies on so you can check them.
Links and advertising
Links to other websites, including cited sources, are provided for reference. The operator doesn’t control those sites and isn’t responsible for their content. Any ads on the site are selected and served by Google and its partners. An ad is not an endorsement of the advertiser or its products.
Privacy
The privacy policy explains what information the site handles.
Changes to these terms
These terms may be updated, for example when the site changes. The date at the top shows the current version. Using the site after a change means you accept the updated terms.
Governing law
These terms are governed by the laws of New York, United States. If the consumer-protection laws where you live give you rights that these terms cannot take away, those rights still apply.
Contact
Questions about these terms: smartfinancialcalc@gmail.com.