Terms of Service

You may use our calculators and articles for personal, non-commercial purposes. You agree not to misuse the site, attempt to disrupt it, scrape it at scale, or use it for any unlawful purpose.

Calculator results and articles are general information, not financial, tax, legal, or investment advice. Results depend on the figures you enter and simplified assumptions. Always confirm important decisions with a qualified professional. Full details are in our Financial Disclaimer.

The site's content, design, text, and code are owned by SMO Financial Calculator and protected by copyright. You may link to our pages and quote short passages with attribution. Reproducing whole articles or tools without permission is not allowed.

The site may contain advertising and links to third-party websites. We are not responsible for their content, products, or privacy practices.

The site is provided "as is" without warranties of any kind, including accuracy, completeness, or fitness for a particular purpose. We do our best to keep tools correct but cannot guarantee they are error-free.

To the maximum extent permitted by law, SMO Financial Calculator is not liable for any loss or damage arising from your use of, or reliance on, the site or its results.

We may modify these terms or the site at any time. Continued use after changes means you accept the updated terms.