Disclaimer

General Information Disclaimer

The information provided by CalcMyWealth ("we," "us," or "our") on https://calcmywealth.com (the "Site") is for general informational and educational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

Not Professional Financial Advice

IMPORTANT: The calculators and information provided on this website are NOT a substitute for professional financial advice. Before making any financial decisions, you should:

• Consult with qualified financial advisors
• Speak with certified public accountants (CPAs) for tax matters
• Consult with licensed mortgage brokers for home loans
• Seek advice from certified financial planners for retirement planning
• Verify all calculations independently

Calculator Limitations

Our calculators provide estimates based on the information you input and certain assumptions, including but not limited to:

• Simplified mathematical models that may not reflect real-world complexity
• Assumptions about interest rates, inflation, and market returns
• General tax rules that may not apply to your specific situation
• Standard formulas that may not account for all fees, penalties, or special circumstances

No Guarantee of Accuracy

While we strive to provide accurate calculations, we cannot guarantee that our calculators are error-free or that results will be accurate in all circumstances. Factors that may affect accuracy include:

• Changes in laws, regulations, or tax codes
• Variations in financial institution practices
• Individual circumstances not accounted for in our models
• Technical errors or bugs
• User input errors

Financial Risk Warning

WARNING: All investments and financial decisions carry risk. Past performance does not guarantee future results. You may lose money. The calculations provided by our tools should not be construed as guarantees of future performance or results.

Tax Disclaimer

Tax calculations are estimates only and based on current tax laws as we understand them. Tax laws are complex and change frequently. We are not tax professionals, and our calculators should not be used as a substitute for professional tax advice. Always consult with a qualified tax professional for advice regarding your specific tax situation.

Mortgage and Loan Disclaimer

Mortgage and loan calculations are estimates only. Actual loan terms, interest rates, fees, and approval criteria vary by lender and are subject to credit approval. The calculations do not constitute a loan offer or guarantee of loan terms.

Investment Disclaimer

Investment return calculations are hypothetical and do not reflect actual investment results. Investment returns are not guaranteed and you may lose money. Past performance does not indicate future results. All investing involves risk, including the potential loss of principal.

Third-Party Information

We may reference third-party information, rates, or data. We do not endorse or guarantee the accuracy of any third-party information. You should independently verify any information before relying on it.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CALCMYWEALTH, ITS OWNERS, OPERATORS, AFFILIATES, OR CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR THE CALCULATORS, INCLUDING BUT NOT LIMITED TO:

• Financial losses
• Investment losses
• Tax penalties or interest
• Loan denials or unfavorable terms
• Any other pecuniary loss

Indemnification

You agree to defend, indemnify, and hold harmless CalcMyWealth and its officers, directors, employees, agents, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the Site or any decisions made based on the calculations or information provided.

User Responsibility

By using our calculators, you acknowledge that:

• You are solely responsible for verifying all calculations
• You will not rely solely on our calculators for financial decisions
• You will seek appropriate professional advice
• You understand the limitations and assumptions of the calculators
• You accept all risks associated with using the information provided

Updates and Changes

We reserve the right to update, modify, or discontinue any calculator or information on the Site at any time without notice. We are not obligated to update information or calculators to reflect changes in laws, regulations, or financial practices.

No Professional Relationship

Use of this Site does not create any professional relationship between you and CalcMyWealth. We are not your financial advisor, tax advisor, attorney, accountant, or fiduciary.

Geographic Limitations

Our calculators are primarily designed for use in the United States and may not be accurate or applicable for other countries due to different laws, regulations, tax systems, and financial practices.

Contact Information

If you have questions about this disclaimer, please contact us through our contact page.

Acceptance of Terms

By using CalcMyWealth and any of our calculators, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. If you do not agree with any part of this disclaimer, please do not use our Site or calculators.