Terms of Use

1. Agreement to terms

By accessing or using CentCalc (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

2. Educational use only

The Site provides free personal finance calculators and related content for general educational and informational purposes. The Site is not a substitute for professional financial, tax, accounting, or legal advice. See our disclaimer for full details.

3. No professional advice

Nothing on this Site constitutes professional advice or creates an advisor-client relationship. Always consult qualified licensed professionals before making financial decisions.

4. Intellectual property

Site content — including text, design, code, methodology, and brand — is owned by CentCalc and protected by applicable copyright and trademark laws. You may:

• View and use calculators for personal, non-commercial purposes
• Link to any page on the Site
• Quote brief excerpts with attribution

You may not:

• Republish substantial portions of content without permission
• Scrape, mirror, or build derivative calculator services from the Site
• Remove or alter copyright notices
• Use the CentCalc brand or logo without written permission

The formulas themselves (e.g., compound interest, amortization) are public domain mathematics; our specific implementations and explanations are protected.

5. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to systems, data, or accounts
• Use automated tools (bots, scrapers) to extract data at scale
• Introduce malware, viruses, or harmful code
• Interfere with proper ad serving or analytics
• Impersonate another person or entity

6. Third-party links and content

The Site links to external websites (IRS.gov, SSA.gov, state revenue departments, etc.) and displays third-party advertising. We are not responsible for the content, accuracy, or practices of any third-party site or advertiser.

7. Disclaimer of warranties

The Site is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of calculations
• Non-infringement of third-party rights
• Uninterrupted or error-free operation

8. Limitation of liability

To the maximum extent permitted by law, CentCalc, its operators, authors, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of, or reliance on, the Site. This includes but is not limited to:

• Tax over- or underpayment based on calculator estimates
• Investment losses following projections on the Site
• Loan or mortgage decisions based on affordability calculations
• Business or financial decisions of any kind

9. Indemnification

You agree to indemnify and hold harmless CentCalc from any claim, damage, or expense (including reasonable attorneys' fees) arising from your misuse of the Site or violation of these Terms.

10. Advertising

The Site displays advertising served by third-party networks (currently Google AdSense). Advertisers and ad networks have no editorial influence over calculator content. See our editorial policy for details.

11. Privacy

Your use of the Site is also governed by our Privacy Policy.

12. Changes to terms

We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date. Continued use after changes constitutes acceptance.

13. Governing law

These Terms shall be governed by the laws of the United States and the state in which the Site operator is established, without regard to conflict-of-law principles.

14. Severability

If any provision of these Terms is held unenforceable, the remaining provisions shall remain in full force.

15. Contact

Questions about these Terms? Contact us.