The short version
These terms are written in legal language, which is hard to skim. Here's what they say in plain words. This summary isn't a replacement for the terms above. If anything here seems to differ, the formal text controls.
Use the site for lawful, ordinary purposes. Don't rely on a calculator as professional advice. The tools come as they are, and we can't be held liable for decisions made from their output.
Estimates, not advice
A calculator turns your inputs into a number using a formula. It can't know your tax situation, your lender's fine print, your health history or your local law. A mortgage tool won't know that your bank adds a fee. A calorie tool can't know that you're pregnant or on medication.
Use results to understand a situation and prepare good questions. Then confirm anything important with a qualified professional or the official source.
What "as is" means
We test the tools and fix errors we find. But we can't promise they're free of mistakes, always available or right for your purpose. Rates and rules change and sources get out of date. That's why the terms say the tools come without warranties.
In the same way, the terms limit what we're liable for if you suffer a loss from using the site. The exact wording and legal limits depend on where you live.
Acceptable use
Please don't try to break the site, flood it with requests, hunt for weaknesses without permission, or scrape it in ways our robots policy forbids. Don't use the site for anything unlawful.
If you find a security problem, tell us at the contact address instead of testing it. We'd rather hear about it early.
Changes to the terms
We may update the terms. The date at the top shows the latest version. If you keep using the site after a change, you're accepting the new version. It's worth a glance now and then.
Questions about the terms can go to the email at the bottom of the page. We can explain what the terms mean, though we can't give you legal advice about your own situation.
What these terms mean in practice
In plain terms: the tools are free to use, they give estimates, and you're responsible for what you do with the results. Don't treat a calculator as a replacement for a professional when money, health or legal matters are at stake.
We work to keep the numbers right, but errors happen and rates change. If you spot one, tell us. We'd like to fix it.
You can use the tools for personal and business planning. You can't use the site to harm others, overload it with automated requests, or copy it wholesale and pass it off as your own.
Accuracy and your own checks
A mortgage calculator doesn't know your lender's fees. A tax tool doesn't know your full situation. A health calculator doesn't know your history. Every output is a starting point. Confirm anything important against official sources and, when it matters, with a qualified person.
Think of it this way: the calculators tell you roughly where you stand. They don't make the decision for you.
Links, content and changes
Our pages sometimes link to other sites. We don't control those sites and aren't responsible for them. Our articles and tools are protected by copyright, and you're welcome to quote short parts with a link back.
We may update these terms from time to time. When we do, the date at the top changes. Continuing to use the site after a change means you accept the new version.
Plain-language summary
Use the tools as a guide, not as professional advice. We work hard to keep the math right, but we can't promise every result suits your case, so double check anything that affects money, health or a legal matter.
Don't abuse the site. That means no scraping at high volume, no attacks, no attempts to break things.
The text, code and design belong to us or our licensors. You may link to any page. Please don't copy whole pages to publish elsewhere.
Changes, links and who to ask
We may update these terms as the site grows. When we do, the date at the top changes. Keep using the site after that and you accept the new version, so look over it now and then.
Links on our pages can lead to other websites. We don't control them and can't vouch for what they say or how they handle your data. Read their terms before you rely on them.
If something here is unclear, ask on the contact page. We'd rather explain a clause than have you guess.