Terms of Use

1. Acceptance of terms

By accessing or using BetterMoneyTools.com (the "Site"), you agree to be bound by these Terms of Use ("Terms") and our Privacy Policy. If you do not agree, please do not use the Site.

2. Educational purpose — not financial advice

BetterMoneyTools.com provides general personal-finance information, educational content, and computational tools. Nothing on the Site constitutes financial, investment, tax, accounting, or legal advice. The calculators are designed to illustrate how common formulas work; they are not personalized recommendations.

Always consult a qualified, licensed professional before making financial decisions. Your specific situation may differ materially from the simplified assumptions used by any calculator.

3. Accuracy of information

We make reasonable efforts to ensure the calculators and articles are accurate and up to date. However, financial laws, tax rates, interest-rate environments, and best practices change frequently. We do not warrant that any content on the Site is complete, current, or error-free. You are responsible for verifying any information before relying on it.

4. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose or in violation of any regulation.
• Attempt to gain unauthorized access to any portion of the Site, server, or related systems.
• Interfere with the operation of the Site, including by introducing malware or attempting denial-of-service attacks.
• Scrape, mirror, or systematically copy content without prior written permission.
• Misrepresent the source of any content from the Site.

5. Intellectual property

All content on BetterMoneyTools.com — including text, graphics, logos, calculator designs, and underlying source code — is owned by or licensed to BetterMoneyTools.com and is protected by copyright and other intellectual-property laws. You may use the Site for personal, non-commercial purposes. You may not republish, redistribute, or commercialize Site content without written permission.

6. Third-party links and content

The Site may include links to third-party websites and services. We are not responsible for their content, privacy practices, or availability. Following an external link is at your own risk.

Some outbound links may be affiliate links — meaning we may earn a commission if you sign up for a product through them. Affiliate placements are clearly labeled where applicable. Our editorial recommendations are not influenced by commission rates.

7. Advertising

BetterMoneyTools.com displays advertising served by third-party ad networks, including Google AdSense. We do not control the specific ads shown. If you encounter an ad you believe violates Google's policies or our standards, please contact us. See our Privacy Policy for details on advertising cookies.

8. User-submitted content

If you send us feedback, suggestions, or other materials (including via the contact form), you grant us a non-exclusive, royalty-free, worldwide license to use that content to operate and improve the Site. Do not send us confidential or proprietary information you do not want us to receive.

9. Disclaimer of warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

10. Limitation of liability

To the fullest extent permitted by law, BetterMoneyTools.com, its operators, contributors, and partners shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Site or reliance on any information provided — including, without limitation, financial losses, lost profits, or lost data.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you in full.

11. Indemnification

You agree to indemnify and hold harmless BetterMoneyTools.com and its operators from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Site.

12. Changes to the Site or Terms

We may modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms; the "Last updated" date reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the revised Terms.

13. Governing law

These Terms are governed by the laws of the United States and the state in which BetterMoneyTools.com's operators are based, without regard to conflict-of-laws principles. Any dispute will be resolved in the appropriate state or federal courts of that jurisdiction.

14. Contact

Questions about these Terms? Email info@bettermoneytools.com or use our contact form.