Terms of Use

1) Educational use only (no advice)

The calculators and content on this site are provided for informational and educational purposes only. They are not financial, legal, tax, or accounting advice, and do not create any professional relationship. If you need advice, consult a qualified professional.

We are not a bank, lender, broker, investment adviser, or tax preparer. Using this site does not create a fiduciary relationship.

2) Estimates and assumptions

Results are estimates based on the inputs you provide and the assumptions described on each page. Actual lender quotes, statements, and disclosures may differ due to rounding, fees, escrow timing, underwriting, compounding, policy rules, and other factors.

3) No warranty

We provide the site and calculators "as is" and "as available" without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, and non-infringement.

4) Limitation of liability

To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the site or reliance on any results.

5) Third-party services and links

The site may include links to third-party websites and may display third-party advertising. We do not control third parties and are not responsible for their content, products, services, or practices.

6) Your responsibilities

You are responsible for verifying any results before making decisions, and for complying with any applicable laws and policies when using the site.

7) Changes

We may update these Terms from time to time. By continuing to use the site after changes are posted, you agree to the updated Terms.

8) Acceptable use

You agree not to misuse the site, interfere with its operation, or attempt to access non-public areas. Automated scraping or excessive requests that degrade performance are not allowed.

9) Intellectual property

Site content, calculators, and design are owned by Practical Finance Tools or its licensors. You may use the content for personal, non-commercial purposes, but you may not copy or redistribute it without permission.

10) Availability

We aim to keep the site available, but we do not guarantee uninterrupted access. We may update, suspend, or change features at any time.

11) Security and data

Do not submit sensitive personal information in free-text fields. While we use reasonable safeguards, no system is completely secure, and you are responsible for protecting your own data.

12) Governing law

These Terms are governed by applicable laws in the jurisdiction where we operate, without regard to conflict of law principles. Any disputes should be brought in a competent court in that jurisdiction.

13) Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

14) Entire agreement

These Terms, along with the Privacy Policy and Cookie Notice, form the entire agreement between you and the site regarding use.

15) Contact

Questions? Email admin@practicalfinancetools.com.

16) Feedback and submissions

If you send suggestions or feedback, you grant us permission to use it to improve the site without obligation to compensate you. Do not send confidential or proprietary information.

17) Termination

We may suspend or terminate access to the site if we believe it is being misused or if required by law. These Terms remain in effect for any prior use of the site.