These Terms of Service ("Terms") govern your use of wisercent.com (the "Site"), operated by Wisercent ("we", "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. The service
The Site provides free, browser-based financial calculators and educational content for personal, non-commercial use. We may modify, suspend, or discontinue any part of the Site at any time without notice.
2. Estimates only — not professional advice
All calculator outputs are estimates for informational and educational purposes only. They are not financial, tax, investment, or legal advice, and no advisor–client or fiduciary relationship is created by your use of the Site. Financial decisions should be confirmed with a licensed mortgage professional, tax advisor, or fiduciary financial planner. See our Disclaimer for the full statement.
3. Acceptable use
You agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable law or regulation;
- Attempt to disrupt, overload, or gain unauthorized access to the Site or its hosting infrastructure;
- Scrape, copy, or republish substantial portions of the Site's content or code without permission, except for normal search-engine indexing;
- Misrepresent calculator outputs as professional advice or as originating from a licensed professional.
4. Intellectual property
The Site's text, design, and code are owned by Wisercent or its licensors and are protected by applicable intellectual property laws. You are granted a limited, revocable license to view and use the Site for personal purposes. Calculator formulas themselves are standard public-domain mathematics; our particular expression of content and code is not.
5. Accuracy
We work to keep formulas, tax figures, and explanations accurate and current, but we do not warrant that any output is complete, error-free, or suitable for your situation. Tax law, rates, and limits change; always verify important numbers against official sources (such as IRS publications or your lender's disclosures) before acting.
6. Third-party content and advertising
The Site displays third-party advertisements and may link to external websites. We do not endorse and are not responsible for third-party content, products, or privacy practices.
7. Disclaimer of warranties
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
8. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WISERCENT AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, OR DATA, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE — INCLUDING ANY FINANCIAL DECISIONS MADE IN RELIANCE ON CALCULATOR OUTPUTS — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9. Indemnification
You agree to indemnify and hold harmless Wisercent from claims arising out of your misuse of the Site or violation of these Terms.
10. Changes to these Terms
We may revise these Terms at any time; the "Last updated" date will reflect the latest version. Continued use of the Site after changes constitutes acceptance.
11. Contact
Questions about these Terms: contact us.