By accessing or using FinancialTier.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.
1. Acceptance of Terms
These Terms of Service ("Terms") govern your use of FinancialTier.com and all related calculators, content, and features (collectively, the "Service"). By using the Service, you represent that you are at least 18 years old and agree to these Terms.
2. Description of Service
Financial Tier provides free financial calculators, educational articles, and informational content related to personal finance topics including mortgages, loans, retirement planning, taxes, and investment returns. All calculator tools are provided at no charge and require no account registration.
3. Educational and Informational Use Only
The calculators and content on Financial Tier are for educational and informational purposes only. They do not constitute and should not be construed as financial, tax, investment, mortgage, or legal advice. Results produced by our calculators are estimates based on the inputs you provide and should not be relied upon as the sole basis for any financial decision.
Before making significant financial decisions — including purchasing property, taking out loans, changing investment strategies, or filing taxes — please consult with a licensed financial advisor, mortgage broker, CPA, tax professional, or attorney appropriate to your situation.
4. Accuracy of Calculations
We make reasonable efforts to ensure our calculators use accurate formulas and up-to-date rates and tax brackets. However, we make no warranty, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of the calculations or information provided. Actual loan terms, tax obligations, and investment returns will vary based on your specific circumstances, lender terms, and applicable law.
5. No Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
6. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, FINANCIALTIER, ITS OWNERS, OPERATORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED $100 USD.
7. Intellectual Property
All content on Financial Tier, including text, graphics, calculators, code, and design, is owned by or licensed to Financial Tier and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission, except as permitted by fair use.
You may share links to our calculators freely. Embedding our calculators in third-party websites or scraping our content for commercial use is prohibited without express written permission.
8. Prohibited Uses
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorized access to any portion of our systems
- Use automated tools to scrape, crawl, or extract data from the Service at scale
- Impersonate Financial Tier or misrepresent your affiliation with us
- Transmit malicious code or interfere with the Service's operation
9. Third-Party Links and Services
The Service may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of third-party sites. Links do not constitute endorsement.
10. Advertising
The Service displays advertising through Google AdSense. Ad content is controlled by Google and its advertising partners. We are not responsible for the content of third-party advertisements. Clicking on advertisements may direct you to third-party websites governed by their own terms.
11. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective when posted with an updated "last updated" date. Your continued use of the Service after changes constitutes acceptance of the modified Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration rather than in court.
13. Contact
Questions about these Terms? Please contact us.