Terms of Service

Last updated: January 12, 2026

Agreement to Terms

By accessing and using SmartCalculators ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site. We reserve the right to modify these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.

Description of Services

SmartCalculators provides free online financial calculator tools, including but not limited to:

  • Salary and take-home pay calculators
  • House affordability calculators
  • Credit card payoff calculators
  • Other financial planning tools

These tools are provided for informational and educational purposes only.

Important Disclaimer

The calculators and information on this Site are for general informational purposes only and do not constitute financial, tax, legal, or investment advice.

  • Results are estimates based on the information you provide
  • Actual results may vary based on your specific situation, tax laws, and other factors
  • Tax rates and regulations change frequently
  • We do not guarantee the accuracy, completeness, or timeliness of any calculations

Always consult with qualified professionals (tax advisors, financial planners, mortgage lenders) before making financial decisions.

User Responsibilities

When using our Site, you agree to:

  • Provide accurate information when using our calculators
  • Use the Site only for lawful purposes
  • Not attempt to interfere with or disrupt the Site's functionality
  • Not use automated systems to access the Site without permission
  • Not reproduce, distribute, or create derivative works from our content

No Professional Advice

SmartCalculators is not a financial institution, tax preparer, or licensed financial advisor. The information and tools provided on this Site are not substitutes for professional advice. We do not provide personalized financial, tax, legal, or investment recommendations. Your use of our calculators does not create a professional-client relationship.

Intellectual Property

All content on this Site, including text, graphics, logos, calculator designs, and software, is the property of SmartCalculators or its content suppliers and is protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or use our content for commercial purposes without written permission.

Third-Party Links and Advertising

Our Site may contain links to third-party websites and display advertisements from third parties (including Google AdSense). We are not responsible for the content, privacy practices, or accuracy of third-party sites. Clicking on advertisements or links is at your own risk. The inclusion of any link or advertisement does not imply endorsement by SmartCalculators.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SMARTCALCULATORS AND ITS OWNERS, OPERATORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

  • Your use of or inability to use the Site
  • Any errors or inaccuracies in calculator results
  • Financial decisions made based on information from our Site
  • Unauthorized access to your data
  • Any third-party content or advertisements

Warranty Disclaimer

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Indemnification

You agree to indemnify, defend, and hold harmless SmartCalculators, its owners, operators, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts of competent jurisdiction.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

Termination

We may terminate or suspend your access to the Site at any time, without prior notice or liability, for any reason, including violation of these Terms. All provisions of the Terms that should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Contact Us

If you have questions about these Terms of Service, please contact us through our website.

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