Terms of Use
These terms explain the rules for using SmartCashLab. By using the site, you agree to them. If you do not agree, please do not use the site.
Informational use only
SmartCashLab provides free calculators and general information for educational purposes. Nothing on this site is financial, tax, investment, or legal advice, and nothing here is an offer of credit or a recommendation to take any action. SmartCashLab is not a financial advisor, lender, broker, or card issuer. Consider talking with a qualified professional before making financial decisions.
Calculator results are estimates
Calculator results depend on the values you enter and on the assumptions explained on each page. They are estimates, not quotes, and your actual costs, savings, and payoff dates may differ. Lenders, servicers, and card issuers set their own terms and may calculate interest differently. You are responsible for checking figures with the provider before you rely on them.
No warranty
We work to keep the calculators and content accurate, but the site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose, or uninterrupted availability.
Limitation of liability
To the fullest extent permitted by law, SmartCashLab and its operator are not liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of the site, the calculators, or any information on it, or from any decision you make based on them. Some places do not allow certain limits on liability, so some of these limits may not apply to you.
Third-party links and affiliate links
The site links to websites run by other companies, which may include affiliate links as described in our affiliate disclosure. We do not control those websites and are not responsible for their content, offers, products, privacy practices, or decisions. Your use of a third-party site is governed by its own terms and policies.
Intellectual property
The text, calculators, design, and code on SmartCashLab belong to SmartCashLab unless otherwise noted. You may use the site for your own personal, non-commercial purposes and link to any page. You may not copy, republish, or resell substantial parts of the site, or frame or scrape it, without written permission. Other names and trademarks mentioned on the site belong to their owners.
Acceptable use
Please do not use the site in a way that breaks the law, interferes with its operation or security, or overloads it with automated requests.
Privacy
Our privacy policy explains what information is collected when you use the site. In short, calculator inputs stay in your browser.
Changes to these terms
These terms apply as published on this page. We may update them from time to time, and the version shown here is the one that applies when you use the site. Continuing to use the site after a change means you accept the updated terms.
Governing law
These terms are governed by the laws that apply where SmartCashLab's operator is based, without regard to conflict-of-law rules, except where the law of the place you live requires otherwise. If any part of these terms cannot be enforced, the rest still applies.
Contact
Questions about these terms can be sent through our contact page.