Terms of Service
Last Updated: January 2025
1. Agreement to Terms
By accessing or using Know Your Numbers calculators and services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use our Service.
2. Description of Service
Know Your Numbers provides online financial calculators and educational tools. We may also connect users with third-party financial professionals. Our Service is for informational purposes only.
3. Important Disclaimers
Not Financial Advice
THE CALCULATORS AND CONTENT PROVIDED ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.
You should consult with qualified professionals before making any financial decisions.
Accuracy Disclaimer
While we strive for accuracy:
- Calculator results are estimates based on your inputs and assumptions
- Actual results will vary based on many factors
- We do not guarantee the accuracy, completeness, or reliability of any calculations
- Tax laws and financial regulations change frequently
Third-Party Professionals
If we connect you with financial professionals:
- We do not endorse or guarantee their services
- We are not responsible for their advice or actions
- Any agreement you make with them is solely between you and them
- We may receive compensation for referrals
4. User Responsibilities
You agree to:
- Provide accurate information in calculators
- Use the Service for lawful purposes only
- Not attempt to reverse engineer or hack our systems
- Not use automated systems to access our Service
- Not misrepresent yourself or your intentions
5. Intellectual Property
All content, features, and functionality are owned by Know Your Numbers and are protected by copyright, trademark, and other intellectual property laws. You may not:
- Copy, modify, or distribute our content without permission
- Use our trademarks without authorization
- Create derivative works based on our Service
6. Privacy
Your use of our Service is subject to our Privacy Policy, which is incorporated into these Terms by reference.
7. Third-Party Links and Services
Our Service may contain links to third-party websites or services. We are not responsible for:
- The content or practices of third parties
- Any harm resulting from your use of third-party services
- Products or services offered by third parties
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- WE PROVIDE THE SERVICE "AS IS" WITHOUT WARRANTIES
- WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
- OUR TOTAL LIABILITY SHALL NOT EXCEED $100
- WE ARE NOT LIABLE FOR DECISIONS YOU MAKE BASED ON OUR CALCULATORS
9. Indemnification
You agree to indemnify and hold harmless Know Your Numbers, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:
- Your use of the Service
- Your violation of these Terms
- Your violation of any third-party rights
10. Modifications
We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.
11. Termination
We may terminate or suspend your access to the Service at any time, without notice, for any reason, including violation of these Terms.
12. Governing Law
These Terms are governed by the laws of [Your State], without regard to conflict of law principles. Any disputes shall be resolved in the courts of [Your County, State].
13. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect.
14. Entire Agreement
These Terms and our Privacy Policy constitute the entire agreement between you and Know Your Numbers regarding the Service.