CalculatorDirector.com (“we,” “us,” or “our”) provides calculators, estimators, and informational tools for educational and general guidance only. By using this website, you agree to this Disclaimer and our Terms and Privacy Policy. If you do not agree, please do not use the site.
1) Not Professional Advice
Our content and tools do not constitute financial, legal, tax, accounting, investment, insurance, engineering, medical, or any other professional advice. Results are illustrative estimates. Always seek advice from a qualified professional before making decisions.
2) No Offer, No Client Relationship
Nothing on this site is an offer or solicitation to sell or provide financial products, loans, credit, insurance, investments, medical services, or legal services. Your use of this site does not create a professional-client, advisor-client, or fiduciary relationship with us.
3) Accuracy, Assumptions & Limitations
We aim for accuracy but do not guarantee that any calculator, dataset, rate, formula, or explanation is correct, complete, current, or suitable for your situation.
Calculations may rely on assumptions, rounding, default inputs, or user-entered data.
Results can vary with changing rates, fees, taxes, exchange rates, local rules, lender policies, and data delays.
You are responsible for verifying all results before taking action.
4) User Inputs & Responsibility
You are responsible for the accuracy of the data you enter. Any decisions you make based on outputs or content on this site are your responsibility.
5) Jurisdictions & Regulations
Our tools are country-agnostic and provided for general information worldwide. Approval criteria, thresholds, tax rules, consumer protections, and lending regulations vary by country and provider. Always check local requirements and consult qualified professionals.
6) Financial & Credit-Related Tools (Extra Notes)
For calculators relating to budgeting, loans, mortgages, DTI, LTV, repayments, interest, or affordability:
Outputs are estimates, not pre-qualification, pre-approval, or an offer of credit.
Actual offers depend on a provider’s underwriting, credit checks, documentation, and current rates/fees.
We are not a lender, broker, or advisor and do not guarantee approval or specific rates.
7) Health, Safety & Technical Tools (If Applicable)
For any health-adjacent, engineering, or technical tools: these are not medical devices and are not a substitute for professional diagnosis, treatment, safety assessments, or certified engineering review.
8) Third-Party Links, Data & Affiliates
We may reference or link to third-party websites, APIs, datasets, or services (for example, maps, geocoding, exchange rates, or price feeds).
We do not control and are not responsible for third-party content, accuracy, availability, or practices.
Some links may be affiliate or sponsored links. We may earn a commission if you make a purchase or take an action through those links—at no extra cost to you. This helps keep our tools free.
9) No Warranties
The site and all content/tools are provided “as is” and “as available”, without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be error-free, uninterrupted, secure, or up-to-date.
10) Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages (including lost profits, data loss, business interruption, personal injury, or property damage) arising from or relating to your access to or use of the site, content, or tools—even if advised of the possibility of such damages.
11) Personal Data & Privacy
Some tools may use local storage or cookies to save your preferences on your device. We generally do not collect your calculator inputs unless you choose to submit information via forms. For details on what we collect and how we protect it, please read our Privacy Policy.
12) Intellectual Property
All site content, design, and tool logic are owned by CalculatorDirector.com or licensed to us and are protected by applicable intellectual property laws. You may not copy, redistribute, or resell our tools without permission.
13) Changes & Availability
We may update, suspend, or discontinue any part of the site, calculators, assumptions, or content at any time without notice. We may also update this Disclaimer from time to time; the “Last updated” date will reflect the latest version.
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