Terms of Use

Acceptance of Terms

By accessing and using ShouldICalc.com ("the Site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

Use of Calculators and Content

The calculators and content on this Site are provided for informational and educational purposes only. They are designed to help you think through common financial decisions.

Our calculators provide estimates, not guarantees. Results are based on general assumptions and average costs. Your actual experience will vary based on your specific circumstances, location, timing, and many other factors.

You are responsible for verifying any costs, savings, or other figures relevant to your decisions. Do not rely solely on our calculations for significant financial decisions.

Not Financial Advice

Nothing on this Site constitutes financial, investment, tax, legal, or professional advice. We are not financial advisors, and we do not provide personalized recommendations.

For significant financial decisions, consult with qualified professionals who can evaluate your specific situation.

Accuracy of Information

We strive to keep our calculators and content accurate and up-to-date, but we make no guarantees about the accuracy, completeness, or timeliness of any information on the Site.

Prices, costs, and other figures change over time. Our default values represent typical ranges at the time of publication but may not reflect current conditions.

Affiliate Links and Advertising

This Site may contain affiliate links to products and services. If you click on these links and make a purchase, we may earn a commission at no additional cost to you.

We only recommend products we believe may be useful, but we are not responsible for the quality, safety, or suitability of any products or services linked from this Site.

The Site may also display advertisements. We do not control the content of third-party advertisements and are not responsible for any products or services advertised.

Intellectual Property

All content on this Site—including text, graphics, logos, and software—is the property of ShouldICalc or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without permission.

Limitation of Liability

To the fullest extent permitted by law, ShouldICalc and its owners, operators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content.

This includes, but is not limited to, damages from financial decisions made based on information from our calculators.

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective when posted on this page. Your continued use of the Site after changes constitutes acceptance of the new terms.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact

If you have questions about these Terms of Use, please contact us at hello@cozyriverstudios.com.