These Terms of Service ("Terms") govern your use of CalcFactor.com (the "Site"), operated by CalcFactor. By using the Site, you agree to these Terms. If you don't agree, please don't use the Site.
CalcFactor provides free, browser-based financial calculators and educational articles covering topics like mortgages, debt payoff, retirement, and small business taxes. Everything on the Site is provided for general informational and educational purposes only.
Nothing on this Site constitutes financial, legal, tax, or investment advice. CalcFactor is not a bank, lender, broker, accountant, or licensed financial advisor. Calculator results are estimates based on the figures you enter and general assumptions — they don't account for every factor a lender, accountant, or advisor would consider for your specific situation. Always confirm actual rates, terms, and tax rules with a qualified, licensed professional before making financial decisions.
We work to keep our calculators and articles accurate and up to date, but we make no guarantee that any figure, rate, rule, or result on the Site is complete, current, or error-free. Financial rules, tax figures, and interest rates change, and a calculator's output is only as good as the numbers entered into it. Use the Site's tools and content as a starting point, not a final answer.
To the fullest extent permitted by law, CalcFactor and its owner are not liable for any loss, damage, or financial decision arising from your use of, or reliance on, the Site's calculators or content. You use the Site at your own risk and are responsible for verifying any information before acting on it.
Some pages on the Site include affiliate or referral links to third-party financial products or services. If you sign up or make a purchase through one of these links, CalcFactor may earn a commission or referral reward at no additional cost to you. We only link to products or services we'd recommend regardless of any compensation, and any specific affiliate relationship is disclosed on the page where the link appears.
The Site links to third-party websites — lenders, government resources, other tools — that CalcFactor doesn't own or control. We aren't responsible for the content, accuracy, or practices of any third-party site, and linking to a site doesn't mean we endorse everything on it.
The calculators, articles, design, and branding on this Site belong to CalcFactor unless otherwise noted. You're welcome to link to our pages, but you may not copy, republish, or redistribute our content or tools without our permission.
CalcFactor doesn't currently require account creation, logins, or payment to use its calculators or read its content. If that changes in the future, these Terms may be updated to reflect it.
We may update these Terms from time to time as the Site grows or as laws change. The "Last updated" date at the top of this page will reflect the most recent revision. Continuing to use the Site after changes are posted means you accept the updated Terms.
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles.
Questions about these Terms? Reach out through our Contact page.