Terms of Service

Who Operates This Site

These Terms govern your use of SimulWise (simulwise.com). SimulWise is an independent, non-commercial project dedicated to providing free, accessible financial calculators. In these Terms, "we", "us", and "our" refer to SimulWise.

Acceptance of Terms

By accessing or using SimulWise, you agree to these Terms of Service. If you do not agree, please do not use the site.

Description of Service

SimulWise provides free online personal finance calculators and related educational content. Calculations run in your browser. We do not require registration or payment to use the calculators.

No Financial Advice

All calculators, charts, and content are provided for educational and informational purposes only. Results are estimates based on the inputs you provide and simplifying assumptions built into each tool.

We do not provide financial, investment, tax, or legal advice. You should consult a qualified professional before making financial decisions.

Disclaimer of Warranties

SimulWise is provided on an "as is" and "as available" basis. We strive for accuracy, but we make no warranties that the site will be uninterrupted, error-free, or suitable for your particular situation.

Limitation of Liability

To the fullest extent permitted by applicable law, SimulWise shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of SimulWise, including reliance on calculator results or content on the site.

Nothing in these Terms limits rights that cannot be waived under mandatory consumer protection laws in your jurisdiction.

Intellectual Property

The site design, code, text, and visual assets are owned by SimulWise or used under license. You may use the calculators for personal, non-commercial purposes. You may not copy, scrape, reverse engineer, or redistribute the site for commercial use without permission.

Acceptable Use

You agree not to misuse the site, including attempting to disrupt service, bypass security measures, scrape content at scale, or use the site for unlawful purposes.

Third-Party Links

If we link to external websites, those sites are provided for convenience. We do not control or endorse third-party content.

Changes to These Terms

We may update these Terms from time to time. Posting the revised Terms on this page constitutes notice of the update.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the website operator is located, without regard to conflict of law principles.

Contact

For questions about these Terms, email contact@simulwise.com.