1. Acceptance of these terms
By accessing or using WealthCalcLab, you agree to these Terms of Use and the linked Privacy Policy and Disclaimer. If you do not agree, do not use the site.
These terms apply to calculators, guides, downloadable tables, local browser features, forms, and other content available through wealthcalclab.com.
2. Educational purpose and no professional relationship
WealthCalcLab provides general educational information and planning estimates. Use of the site does not create an adviser-client, accountant-client, attorney-client, lender-borrower, broker-client, fiduciary, or other professional relationship.
No calculator output, article, chart, table, email response, or downloadable file is financial, investment, tax, accounting, insurance, legal, or other professional advice.
3. Calculator estimates and user responsibility
Results depend on the values and assumptions entered. You are responsible for checking units, rates, periods, contribution timing, fees, taxes, and other assumptions before using an output.
Real institutions and authorities may use different formulas, day-count conventions, rounding rules, payment dates, tax treatment, underwriting standards, and product terms. Verify important figures with current official documents and qualified professionals.
4. Permitted use
You may use the site for lawful personal, educational, and internal business planning. You may download result tables generated from your own inputs and link to public pages.
You may not disrupt the service, bypass access controls, introduce malicious code, scrape at a rate that harms availability, misrepresent WealthCalcLab content as professional advice, or use the site for fraud or unlawful activity.
5. Intellectual property
The WealthCalcLab name, branding, page design, original explanations, calculator presentation, and site code are protected by applicable intellectual-property laws. Financial formulas and factual concepts may be public knowledge, but the site's original expression and implementation remain protected.
Nothing in these terms transfers ownership. A limited, revocable right to access and use the public site is granted only for the permitted purposes above.
6. Third-party services and links
The site may use or link to third-party services, including hosting, form processing, analytics, advertising, and official information sources. Those providers operate under their own terms and privacy policies.
A link does not constitute endorsement or a guarantee that third-party content is complete, current, secure, or suitable for your situation.
7. Availability, changes, and termination
We may update, correct, remove, or suspend calculators, assumptions, content, and features without notice. We do not promise uninterrupted availability or that every historical URL or locally stored scenario will remain compatible with future versions.
We may restrict access when reasonably necessary to protect the service, users, providers, or legal rights.
8. Disclaimers and limitation of liability
The site is provided on an as-is and as-available basis to the extent permitted by law, without warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.
To the maximum extent permitted by law, WealthCalcLab is not liable for decisions, losses, missed opportunities, data loss, or indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use the site.
9. Changes to these terms
We may revise these terms to reflect product, legal, or operational changes. The revised version applies when published, and the last-updated date will change. Continued use after publication indicates acceptance of the revised terms.
10. Contact
Questions about these terms can be sent to [email protected]. Do not send confidential account credentials or highly sensitive financial records.