Terms of Service & Financial Disclaimer
Last Updated: January 1, 2025
Not Certified Financial Advice (Disclaimer)
SmartPayCalc provides mathematical estimations for educational and informational purposes only. Results do not represent legal, accounting, tax, or investment advice. Always consult a Certified Financial Planner (CFP) or Certified Public Accountant (CPA) before entering into contracts or filing official IRS tax returns.
1. Acceptance of Terms
By accessing or using SmartPayCalc, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may discontinue use of the website.
2. Accuracy of Calculations & Liability Limitation
While we strive to keep formulas aligned with current IRS tax brackets, loan conventions, and payroll deductions, we make no express or implied warranties that the site will be error-free. SmartPayCalc and its operators shall not be liable for any direct, indirect, or consequential damages resulting from the use of our calculations.
3. Intellectual Property & Fair Use
All custom design, branding, and computational logic on SmartPayCalc are protected by intellectual property laws. You are welcome to cite and link to our calculators freely. Automated scraping or commercial redistribution of our calculators without prior written permission is prohibited.