Terms of Use

Welcome to FinanceWonk. By accessing or using the website located at financewonk.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.

Description of Service

FinanceWonk provides free financial calculators, educational articles, reference data, and related content for informational and educational purposes only. The Site is not a financial advisory service and does not provide personalized financial, investment, tax, or legal advice.

Educational Purpose Only

All content on the Site — including calculator outputs, articles, insights, guides, and reference materials — is provided for general educational and informational purposes. Nothing on this Site constitutes financial advice, investment advice, tax advice, or legal advice.

Calculator results are estimates based on the inputs you provide and standard financial formulas. They are intended to help you explore concepts and scenarios, not to serve as the basis for financial decisions. Always consult a qualified professional before making financial decisions.

No Professional Relationship

Your use of the Site does not create a fiduciary, advisory, client-professional, or any other professional relationship between you and FinanceWonk. We are not a registered investment adviser, broker-dealer, financial planner, tax preparer, or attorney.

Accuracy and Limitations

We strive to provide accurate and up-to-date information, but we make no warranties or guarantees regarding the accuracy, completeness, reliability, or timeliness of any content on the Site. Financial regulations, tax laws, interest rates, and market conditions change frequently, and the information on this Site may not reflect the most current developments.

Calculators rely on simplified models and standard formulas. They may not account for all fees, taxes, penalties, market fluctuations, or individual circumstances that could affect actual financial outcomes.

Intellectual Property

All content on the Site — including text, graphics, logos, calculator designs, code, and the overall look and feel — is the property of FinanceWonk and is protected by applicable intellectual property laws. You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written permission.

User Conduct

You agree not to:

Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for convenience and do not imply endorsement. We are not responsible for the content, privacy practices, or availability of any third-party sites. You access them at your own risk.

Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINANCEWONK AND ITS OWNERS, OPERATORS, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify and hold harmless FinanceWonk and its owners, operators, and contributors from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Site or violation of these Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in the United States.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Effective" date at the top of this page. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

Contact Us

If you have questions about these Terms, please contact us at legal@financewonk.com.