Terms of Service

1. Acceptance of these terms

By accessing or using SmartMoney Tools (the "Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.

2. Not financial advice

The calculators and content on this Site are provided for general educational and informational purposes only. They are not financial, investment, tax, accounting, or legal advice, and they are not a substitute for advice from a licensed professional who knows your specific circumstances.

Results are estimates based solely on the numbers you enter. They do not account for fees, taxes, insurance, rate changes, penalties, promotional terms, or other real-world factors that affect loans, savings, and debt. Before making any financial decision, consult a qualified professional.

3. No warranty

The Site is provided "as is" and "as available," without warranty of any kind, express or implied, including but not limited to warranties of accuracy, merchantability, or fitness for a particular purpose. While we strive to make the calculators accurate, we do not warrant that results are free of error or suitable for any particular use.

4. Limitation of liability

To the fullest extent permitted by law, SmartMoney Tools and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site or its calculators, including any financial decisions made in reliance on the results.

5. Acceptable use

You may use the Site for personal and commercial financial planning. You agree not to scrape, copy, resell, rehost, or redistribute the Site or its code without our written permission, and not to use the Site in any way that is unlawful or that could damage, disable, or impair it.

6. Third-party links and advertising

The Site displays third-party advertising and may contain links to third-party websites. We are not responsible for the content, products, or practices of any third party. Your interactions with advertisers or linked sites are solely between you and that third party.

7. Changes to the Site and terms

We may modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms from time to time; the "Last updated" date reflects the latest version. Continued use after changes constitutes acceptance of the revised Terms.

8. Contact

Questions about these Terms? Email [email protected] or visit our Contact page.