1. Introduction & Last Updated
These Terms of Service include the answers to the Frequently Asked Questions below, as well as our Privacy Policy, Disclaimer, and any further disclaimer on a particular subpage or tool, all of which by reference are fully incorporated within Terms of Service (collectively the ‘Terms’), govern your access to and use of the consumerfinancecalculators.com website, services, tools, calculators, and applications (collectively, the ‘Service’). By accessing or using the Service, you agree, without limitation, exception, exclusion, or condition, to be contractually bound by these Terms. If you do not agree to these Terms, you may not access or use the Service. These Terms were last updated on May 20, 2026.
Plain English Summary
Welcome! By accessing or using our website, you fully agree to all the Terms and are contractually bound to them. If you don’t agree, then don’t use our site.
2. Acceptance of Terms
By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. You represent and warrant that you have the legal capacity to enter into a binding contract with us in your jurisdiction via these Terms, and that you are of majority age in your jurisdiction on the date you use the Service.
Plain English Summary
Using our site means you’ve read and accepted these Terms and you’re legally capable and allowed to do so.
3. Use License
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use. This license does not include any resale or commercial use of the Service or its contents.
Plain English Summary
You can use our site for personal use, but you can’t copy, sell, or use our content for commercial purposes.
4. Disclaimer of Warranties
THE SERVICE IS PROVIDED ON AN ‘AS IS’ AND ‘AS AVAILABLE’ BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.
Plain English Summary
We provide this service ‘as is’. We don’t guarantee it will be perfect, error-free, or always available.
5. Limitation of Liability
IN NO EVENT SHALL WE, OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.
Plain English Summary
If something goes wrong while using our site, we aren’t legally responsible for any damages or lost profits.
6. Indemnification
You agree to defend, indemnify, and hold harmless consumerfinancecalculators.com, its affiliates, and their respective owners, officers, directors, employees, and agents from and against any claims, liabilities, and damages, losses, and expenses of any kind, including, without limitation, any legal, accounting, expert, witness, or court, arbitration, mediation, or dispute resolution forum fees and/or costs, arising out of or in any way connected with your access to or use of the Service or your violation of these Terms.
Plain English Summary
If you break these rules and we get sued because of it, you have to cover all of our legal and defense costs.
7. Accurate User Information and Protection
To access certain features of the Service, you may be required to provide us personal information via our tools, calculators, or Contact Us page. You agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your password and for all activities that occur during your use of the Service. You also acknowledge and agree that your access device and your email accounts may not be secure, and that any information or email transmission to us or from us is not occurring via an encrypted means and may be subject to intercept, malware, or virus, etc., via your access device or email service, and therefore you warrant and represent that you have installed appropriate protection software on your access device to protect both yourself and us through your use of the Service.
Plain English Summary
You are to provide us with accurate user information, and you are required to install virus malware and virus protection on your access device to protect yourself and us.
8. User Content & IP
You retain all rights in, and are solely responsible for, the content you post to the Service. By posting content, you grant us a non-exclusive, royalty-free, transferable, sublicensable, worldwide license to use, store, display, reproduce, modify, create derivative works, perform, and distribute your content on the Service.
Plain English Summary
You own what you post, but you give us permission to freely display and use it without cost on our platform.
9. Third-Party Links
The Service may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products, or services on or available from those websites or resources or links displayed on such websites.
Plain English Summary
We might link to other websites, but we aren’t responsible for what’s on them.
10. Prohibited Conduct
You agree not to do any of the following: (a) use the Service for any illegal purpose; (b) violate any applicable law or regulation; (c) infringe upon the rights of any third party; (d) interfere with or disrupt the Service or servers or networks connected to the Service; (e) attempt to gain unauthorized access to the Service.
Plain English Summary
Don’t do anything illegal, don’t hack us, and don’t ruin the experience for others.
11. Termination
We may terminate or suspend your access to and use of the Service, at our sole discretion, at any time and without notice to you. Upon any such termination, discontinuation, or cancellation of your access to the Service, the following provisions will survive: Ownership Provisions, Warranty Disclaimers, Limitations of Liability, and Dispute Resolution.
Plain English Summary
We can terminate your access to the Service at any time if you breach these Terms, and some Terms still apply even after your access is terminated.
12. Modifications
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 day notice on our website prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
Plain English Summary
We can change these rules. If it’s a big change, it will be posted on our website 30 days in advance of being effective.
13. Governing Law and Venue
These Terms shall be governed by and construed solely in accordance with the laws of the State of Mississippi, and venue shall lie solely in Lamar County, Mississippi. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
Plain English Summary
The Terms are governed by Mississippi law and disputes are decided in Lamar County, Mississippi.
14. Dispute Resolution
Any dispute arising from or relating to the subject matter of these Terms shall be finally and solely settled by arbitration in Lamar County, Mississippi, using the English language in accordance with the Arbitration Rules and Procedures of JAMS then in effect.
Plain English Summary
If we have a legal disagreement, we’ll settle it through arbitration in Lamar County, Mississippi, and not in a regular court.
15. Severability
If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service.
Plain English Summary
If a judge says one of these rules is invalid, the rest of the rules still apply.
16. Entire Agreement
These Terms shall constitute the entire agreement between you and us concerning the Service. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.
Plain English Summary
These Terms are the complete agreement between us.
17. Contact Information
If you have any questions about these Terms, please contact us using the Get in Touch form on the Contact Us page.
18. EU-Specific Provisions
If you are a consumer residing in the European Union, you benefit from any mandatory provisions of the law of the country in which you are resident. Nothing in these Terms affects your rights as a consumer to rely on such mandatory provisions of local law. You have the right to withdraw from this agreement within 14 days without giving any reason. The European Commission provides for an online dispute resolution platform, which you can access here: http://ec.europa.eu/consumers/odr/.
Plain English Summary
If you live in the EU, you have special consumer rights, including a 14-day withdrawal period and access to the EU dispute resolution platform.
19. California-Specific Provisions
Under California Civil Code Section 1789.3, California users of the Service receive the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. You may also exercise your rights under the CCPA as detailed in our Privacy Policy.
Plain English Summary
California residents have specific rights to contact the state consumer affairs department and rights regarding their personal data.
20. Google AdSense Provisions
We use Google AdSense to display advertisements. Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy. We comply with all Google AdSense program policies, including those regarding prohibited content and invalid traffic.
Plain English Summary
We show ads using Google AdSense. Google uses cookies to show you relevant ads. You can opt out of this tracking through Google’s settings.
Frequently Asked Questions
Quick answers to common questions about our terms.
Can I use your calculators for my business?
Our standard license is for personal, non-commercial, and informational uses only.
What happens if I violate these terms?
We reserve the right to suspend, terminate, and block your access to our Service immediately, without prior notice, for any violation of these terms.
How will I know if these terms change?
We will notify users of material changes at least 30 days in advance via a prominent notice on our website.
Are you responsible for my financial losses?
No. Our tools are for informational and educational purposes only. By using our website and its tools and calculators, you fully and completely agree without limitation, exception, exclusion, or condition that we are not financial or legal advisors, that this website does not provide financial or legal advice, and that we are not liable for any damages of any kind under any theory of liability whatsoever for any financial decisions you make based on our calculators.
How do I delete my account?
Because our Service is free, you do not have an account with us.