Introduction
Welcome to WiseFinanceCalc. These Terms and Conditions ("Terms") govern your use of the WiseFinanceCalc website located at https://wisefinancecalc.com(the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site.
WiseFinanceCalc provides free financial calculator tools for estimation and educational purposes. The Site is operated by WiseFinanceCalc ("we," "our," or "us"). These Terms apply to all visitors, users, and others who access or use the Site.
Use of the Site
Eligibility
By using the Site, you represent and warrant that you are at least 16 years of age or are accessing the Site under the supervision of a parent or guardian.
Permitted Use
You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. Prohibited behavior includes harassing or causing distress to any person, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Site.
Prohibited Activities
You agree not to:
- Use the Site in any way that violates applicable local, state, national, or international law.
- Attempt to interfere with the proper working of the Site (e.g., denial-of-service attacks, hacking).
- Scrape, data-mine, or extract data from the Site without our prior written consent.
- Use automated scripts, bots, or other software to access the Site or its calculators at scale.
- Misrepresent your identity or affiliation with any person or entity.
Intellectual Property
The Site and its original content, features, and functionality (including but not limited to the calculator logic, text, graphics, layout, and design) are owned by WiseFinanceCalc and are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from the Site without our express written permission.
Disclaimer of Financial Advice
WiseFinanceCalc is not a financial advisor, tax attorney, CPA, or certified public accountant. The calculators, tools, and content provided on this Site are for estimation and educational purposes only. They are not a substitute for professional financial, tax, or legal advice.
You should not make any financial decisions based solely on the output of our calculators. Always consult a qualified professional who understands your specific financial situation before making any financial, tax, or investment decisions.
Tax laws, fee structures, and incentive programs change frequently. While we strive to keep our calculators up to date, we make no representations or warranties that any calculation is accurate, complete, or current at the time of your use.
No Professional Relationship
Use of the Site does not create any professional relationship (including but not limited to attorney-client, accountant-client, or advisor-client) between you and WiseFinanceCalc. The Site does not provide personalized financial advice tailored to your specific circumstances.
Limitation of Liability
To the fullest extent permitted by applicable law, WiseFinanceCalc and its operators, affiliates, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your use or inability to use the Site.
- Any reliance placed on the output of any calculator or tool on the Site.
- Any errors, omissions, or inaccuracies in the content or calculations.
- Unauthorized access to or alteration of your transmissions or data.
Your use of the Site is at your sole risk. The Site is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied.
Google AdSense
We use Google AdSense to serve advertisements on our Site. Google AdSense may use cookies and web beacons to collect information about your browsing behavior in order to serve personalized ads. By using our Site, you consent to the use of cookies and data collection by Google as described in Google's Privacy Policy and our Privacy Policy.
Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and other websites on the internet. You may opt out of personalized advertising by visiting Google's Ads Settings.
Third-Party Links
The Site may contain links to third-party websites or services that are not owned or controlled by WiseFinanceCalc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that WiseFinanceCalc shall not be liable for any damage or loss caused by or in connection with the use of any such third-party websites.
Changes to These Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. By continuing to access or use the Site after any revisions become effective, you agree to be bound by the revised Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
Termination
We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
Contact Us
If you have any questions about these Terms, please contact us:
- Email: hello@wisefinancecalc.com
- Website: wisefinancecalc.com