Terms of Service

Agreement

By using CalcWise ("the site"), you agree to these terms. If you disagree with any part, please discontinue use. These terms apply to all visitors and users of the site.

What CalcWise Provides

CalcWise offers free financial calculators, educational articles, and downloadable guides. These tools are designed to help you explore financial scenarios and make more informed decisions. All calculators run in your browser and we do not store your inputs.

Educational Purpose Only

Everything on CalcWise is for educational and informational purposes only. Our calculators, articles, and guides are general in nature and should be used as starting points for your own research.

CalcWise does not provide financial advice, investment advice, tax advice, or legal advice. We are not financial advisors, and nothing on this site should be interpreted as a recommendation to buy, sell, or hold any financial product.

Before making financial decisions, consult with a qualified financial advisor, tax professional, or other appropriate expert who can consider your specific situation.

Accuracy of Calculations

We work hard to make our calculators accurate, but we cannot guarantee that results will be error-free or perfectly match real-world outcomes. Financial calculations involve many variables, and our tools use simplified models that may not account for every factor in your situation.

Calculator results are estimates. Actual outcomes will vary based on factors including (but not limited to) fees, taxes, market conditions, lender terms, and individual circumstances.

Newsletter and Email

When you subscribe to our newsletter or download a free guide, you agree to receive periodic emails from us. You can unsubscribe at any time using the link in any email. We use Mailchimp to manage our mailing list, and your email is subject to both our Privacy Policy and Mailchimp's terms of service.

Intellectual Property

The content on CalcWise — including text, graphics, calculators, and design — is owned by CalcWise and protected by applicable copyright laws. You may use the site for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from our content without written permission.

Third-Party Links and Advertising

The site may contain links to third-party websites and display advertisements. We are not responsible for the content, accuracy, or practices of any third-party sites or advertisers. Clicking on a third-party link or ad is at your own discretion.

Limitation of Liability

CalcWise is provided "as is" without warranties of any kind. To the fullest extent permitted by law, CalcWise shall not be liable for any damages arising from your use of the site, including any financial decisions made based on information or calculations provided here.

Changes to These Terms

We may update these terms from time to time. Changes take effect when posted, and the "Last updated" date will reflect the most recent revision. Continued use of the site after changes means you accept the updated terms.

Contact

Questions about these terms? Reach out at [email protected].