Last Updated: June 27, 2025 

PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING OUR WEBSITE OR TOOLS.

Your use of Financulate.com (“Site”) and its financial calculators, content, and resources constitutes explicit acceptance of this Disclaimer in full. If you disagree with any part, discontinue use immediately.

1. No Financial, Tax, or Legal Advice

• All content and tools on this Site (including calculators, articles, and examples) are provided for general informational and educational purposes only.

• Nothing on this Site constitutes personalized financial, investment, tax, retirement, insurance, or legal advice. We do not consider your individual circumstances, goals, or risk tolerance.

• Always consult qualified professionals (licensed financial advisors, CPAs, attorneys) before making financial decisions or implementing strategies discussed here.

2. Financial Calculators & Tools: Critical Limitations

• Estimates Only: Calculator results are projections based on mathematical formulas, not guarantees of future outcomes. Actual results vary due to market volatility, fees, inflation, taxes, and other unforeseen factors.

• Simplified Assumptions: Models rely on standardized inputs (e.g., fixed returns, linear growth) that rarely reflect real-world complexity.

• Input Responsibility: You alone are responsible for data accuracy. Garbage in = garbage out. We do not verify, store, or audit your inputs.

• Not a Substitute: These tools cannot replace professional financial planning or portfolio management.

3. Accuracy & Timeliness Disclaimer

• While we strive for accuracy, financial regulations, tax laws, and market conditions change constantly. We do not warrant that content or calculations are current, complete, or error-free.

• Past performance data (if shown) does not predict future results.

• Verify independently: Cross-check all information with authoritative sources before acting.

4. No Fiduciary Relationship

• Your use of this Site does not create a professional-client relationship (e.g., advisor-client, attorney-client). We owe you no fiduciary duties.

5. Investment & Risk Warning

• All investments carry risk, including total loss of capital. Content discussing assets (stocks, crypto, real estate) does not constitute recommendations.

• We are not responsible for financial losses resulting from decisions influenced by this Site’s content or tools.

6. Third-Party Content & Links

• References to products, services, or websites are not endorsements. We assume no liability for:

  • Accuracy of third-party content (e.g., quoted statistics).

  • Practices of linked sites (review their terms/disclaimers separately).

  • Performance of mentioned financial products.

7. Testimonials (If Applicable)

• User testimonials (if shown) reflect individual experiences and are not typical. Results vary widely. No compensation was provided for testimonials unless stated.  We may earn commissions from qualified purchases via affiliate links (at no cost to you).  These do not influence our content objectivity.

8. Affiliate Disclosure (If Applicable)

9. No Warranties

THE SITE AND ALL CONTENT/TOOLS ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. FINANCULATE EXPLICITLY DISCLAIMS:

• FITNESS FOR A PARTICULAR PURPOSE

• NON-INFRINGEMENT

• ACCURACY OR RELIABILITY

• UNINTERRUPTED/ERROR-FREE OPERATION

10. Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL FINANCULATE, ITS OWNERS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM:

• USE OF/MISTAKES IN CALCULATORS OR CONTENT

• FINANCIAL DECISIONS MADE USING SITE RESOURCES

• TECHNICAL FAILURES (DOWNTIME, DATA LOSS, VIRUSES)

• THIRD-PARTY ACTIONS

---

Where to Find Related Policies

• Terms & Conditions

• Privacy Policy

Contact

Questions? Reach us at: financulate@gmail.com