Disclaimer

General Disclaimer

FinancialsCalc ("we," "our," or "us") provides financial calculators and educational content to help users understand various financial concepts and perform basic financial calculations. However, we make no representations or warranties regarding the accuracy, completeness, reliability, or suitability of the information provided.

No Financial Advice

Our calculators and content do not constitute financial advice. The results generated by our calculators are estimates based on the information you provide and certain assumptions. These estimates may not reflect actual outcomes due to various factors including but not limited to:

• Market fluctuations and economic conditions
• Changes in tax laws and regulations
• Individual financial circumstances and goals
• Inflation and purchasing power changes
• Investment performance variations
• Lending institution policies and rates

Calculator Limitations

Our financial calculators have inherent limitations:

• They use simplified mathematical models that may not capture all real-world complexities
• Results are based on current market conditions and assumptions that may change
• They do not account for all fees, taxes, and other costs that may affect actual outcomes
• They are designed for general planning purposes, not for specific financial decisions
• Accuracy depends on the quality and completeness of information you provide

Professional Consultation Required

Before making any financial decisions, we strongly recommend that you:

• Consult with qualified financial professionals (financial advisors, accountants, tax professionals)
• Consider your individual financial situation, goals, and risk tolerance
• Review current market conditions and economic factors
• Understand all applicable fees, taxes, and potential risks
• Read and understand all relevant documentation and agreements

Investment Risk Disclaimer

All investments carry risk. Past performance does not guarantee future results. Investment values can go up or down, and you may lose some or all of your invested capital. Investment decisions should be based on your financial goals, time horizon, and risk tolerance.

Our investment calculators provide estimates based on historical data and assumptions, but they cannot predict future market performance or guarantee specific returns.

Mortgage and Loan Disclaimers

Our mortgage and loan calculators provide estimates that may not reflect actual loan terms or costs. Actual loan terms depend on:

• Your credit score and financial history
• Lender policies and requirements
• Current market rates and conditions
• Property type and location
• Additional fees and closing costs

Always consult with lenders directly for accurate loan information and terms.

Tax Disclaimer

Our tax calculators provide general estimates based on current tax laws and regulations. Tax laws are complex and subject to change. Your actual tax liability may differ due to:

• Changes in tax laws and regulations
• Your specific tax situation and circumstances
• State and local tax requirements
• Deductions and credits you may qualify for
• Other income sources and factors

Consult with qualified tax professionals for accurate tax advice and preparation.

Third-Party Content and Links

Our website may contain links to third-party websites, advertisements, and content. We do not endorse, guarantee, or assume responsibility for:

• The accuracy or reliability of third-party information
• The quality of third-party products or services
• The privacy practices of third-party websites
• The content of third-party advertisements

Limitation of Liability

To the maximum extent permitted by law, FinancialsCalc shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Financial losses resulting from the use of our calculators
• Decisions made based on our content or calculations
• Errors, inaccuracies, or omissions in our information
• Interruption or unavailability of our services

Accuracy and Updates

While we strive to provide accurate and up-to-date information, we cannot guarantee that all information is current, complete, or accurate. Financial markets, laws, and regulations change frequently, and our content may not reflect the most recent developments.

We recommend verifying all information with authoritative sources before making financial decisions.

User Responsibility

By using our website and calculators, you acknowledge and agree that:

• You are responsible for the accuracy of information you input
• You will not rely solely on our calculators for financial decisions
• You will seek professional advice when appropriate
• You understand the limitations and assumptions of our tools
• You accept the risks associated with financial decision-making

Jurisdiction and Applicable Law

This disclaimer is governed by the laws of [Your Jurisdiction]. If any provision of this disclaimer is found to be unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

If you have questions about this disclaimer or our services, please contact us at: