Terms of Use

Acceptance of terms

By accessing or using WalletCalcs, you agree to be bound by these Terms of Use, our Privacy Policy, and our Disclaimer. If you do not agree to any of these terms, you are not authorized to use the Site.

If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization to these terms.

Description of the service

WalletCalcs is a free educational resource providing personal finance calculators, guides, and tips. The Site is for informational and educational purposes only. Calculator results are estimates based on user inputs and common financial formulas. Nothing on the Site constitutes financial, legal, tax, accounting, investment, or lending advice. (For the full scope of what we don't do, see our Disclaimer.)

Eligibility

You must be at least 18 years old to use WalletCalcs. If you are between 13 and 18, you may use the Site only with the involvement and consent of a parent or legal guardian. The Site is not directed at children under 13, and we do not knowingly collect information from children under 13. (See our Privacy Policy for more on this.)

Permitted use

You may use WalletCalcs for personal, non-commercial purposes, including:

• Running calculator estimates for your own financial planning.
• Reading and learning from the guides and articles on the Site.
• Sharing links to specific pages on social media, in personal communications, or in non-commercial contexts.
• Using calculator results as a starting point for conversations with licensed financial professionals.

Prohibited use

You may NOT:

• Use the Site for any unlawful purpose or in violation of any applicable law.
• Copy, reproduce, distribute, republish, modify, or create derivative works of any content on the Site (including calculators, guide text, or other materials) without written permission, except as expressly permitted by these terms or by fair use.
• Use automated tools, scripts, scrapers, or bots to access, collect, or extract content from the Site without prior written authorization, except for legitimate search engine indexing.
• Attempt to interfere with the operation of the Site, including but not limited to attempts to bypass security features, overload servers, or introduce malware.
• Reverse engineer, decompile, or attempt to extract the source code of any calculator or feature on the Site.
• Use the Site to harass, abuse, or harm others.
• Misrepresent yourself or your affiliation with any person or entity.
• Use the Site to compete with WalletCalcs or to extract content for use in a competing product.
• Frame, mirror, or otherwise reproduce the Site's appearance or content on another website.

Violation of these terms may result in suspension or termination of your access and may be reported to applicable authorities.

Calculator results and content

All content on the Site, including calculators, articles, guides, and other materials, is provided for general informational and educational purposes only. Calculator results are estimates based on the inputs you provide and standard financial formulas. They are not predictions, guarantees, or specific recommendations.

The Site does not account for every variable that affects real-world financial outcomes. Factors not modeled include but are not limited to: lender-specific underwriting criteria, employer-specific benefit rules, state and local tax variations, individual credit history, fees and charges that vary by provider, market volatility, and personal financial circumstances. For decisions that matter, consult appropriate licensed professionals.

Intellectual property

All content on WalletCalcs — including but not limited to text, graphics, logos, calculator code, guide articles, design elements, and the "WalletCalcs" name and mark — is owned by Dylan Smith or used with permission, and is protected by copyright, trademark, and other intellectual property laws.

You may not use any of this content for commercial purposes without prior written consent. For permission requests, contact us through the contact page.

User submissions

By submitting information through the contact form, newsletter signup, or any other Site mechanism, you grant WalletCalcs a non-exclusive, royalty-free, worldwide license to use that information for the purposes described in the Privacy Policy. You represent that any information you submit is accurate and that you have the right to submit it.

Third-party links and services

The Site may contain links to third-party websites, services, or resources, including but not limited to financial institutions, calculator references, news articles, and informational sources. These links are provided for convenience only.

WalletCalcs does not endorse, control, or take responsibility for the content, accuracy, privacy practices, or business practices of third-party sites. Your interactions with any third party are solely between you and the third party, and you should review their terms and privacy practices before using their services.

Some links may be affiliate links, meaning WalletCalcs may earn a commission when you click them and complete a qualifying action. This does not affect our editorial recommendations. See our Affiliate Disclosure for more.

Disclaimer of warranties

WALLETCALCS IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, secure, or that calculator results will be accurate or current for all situations. We do not warrant that any content on the Site will be free of errors, omissions, or outdated information.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WALLETCALCS, ITS OPERATOR, OR ITS CONTRIBUTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use of or inability to use the Site.
• Any decisions made based on Site content, calculator results, or guide information.
• Any unauthorized access to or use of our servers or any personal information stored therein.
• Any errors, inaccuracies, or omissions in content or calculator results.
• Any interruption of access to or operation of the Site.

Some jurisdictions do not allow limitations on certain types of damages, so some of the above limitations may not apply to you. In jurisdictions where liability cannot be excluded, our total liability is limited to the maximum extent permitted by applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless WalletCalcs and its operator from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Site, (b) your violation of these Terms, (c) your violation of any rights of another, or (d) any decision you make based on Site content.

Changes to these terms

We may update these Terms of Use from time to time. Material changes will be communicated through a notice on the Site. The "effective date" at the top of this page indicates when these terms were last updated. Your continued use of the Site after changes constitutes acceptance of the revised terms.

Termination

We reserve the right to suspend or terminate access to the Site for any user who violates these Terms or applicable law, at our sole discretion, with or without notice. Provisions of these Terms that by their nature should survive termination — including intellectual property, disclaimers, limitations of liability, indemnification, and governing law — will survive any termination.

Governing law and disputes

These Terms are governed by the laws of the United States and the State of California, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or your use of the Site will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for intellectual property violations.

YOU AGREE THAT ANY CLAIM MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A CLASS ACTION OR REPRESENTATIVE ACTION.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms otherwise remain in full force and effect.

Contact

Questions about these Terms? Reach out through the contact page.