Terms of Service

1. Acceptance of Terms

By accessing or using ClearFigure ("clearfigure.com", the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

ClearFigure provides free online financial calculator tools for informational and educational purposes. The Service includes tax calculators, investment calculators, mortgage calculators, and related financial tools. All calculations are performed in your web browser using publicly available formulas and government data.

3. Not Financial, Tax, or Legal Advice

The Service is not intended to provide, and does not constitute, tax, financial, legal, or investment advice. Results produced by our calculators are estimates based on the information you provide and publicly available data from sources such as the IRS, Federal Reserve, Bureau of Labor Statistics, and U.S. Treasury. Your actual tax liability, investment returns, or financial outcomes may differ based on factors not captured by our tools.

You should consult a qualified tax professional, financial advisor, or attorney for advice specific to your individual situation before making financial decisions based on information from the Service.

4. Accuracy and Limitations

We strive for accuracy by sourcing data from official government publications and verifying calculations against known-correct examples. However, we make no guarantees regarding the accuracy, completeness, or timeliness of any information provided. Tax laws, interest rates, and financial regulations change frequently. While we update our data regularly, there may be periods where the Service reflects outdated information.

Our calculators may not account for all factors that affect your specific financial situation, including but not limited to: local income taxes, tax credits, itemized deductions beyond those explicitly modeled, alternative minimum tax, and employer-specific benefit structures.

5. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLEARFIGURE AND ITS OWNERS, OPERATORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use of or inability to use the Service
• Any errors, inaccuracies, or omissions in the calculations or data provided
• Any unauthorized access to or alteration of your data
• Any financial decisions you make based on information from the Service

7. User Responsibilities

You acknowledge that you are solely responsible for verifying any calculation results before relying on them for financial decisions. You agree to use the Service only for lawful purposes and in compliance with all applicable laws and regulations.

8. Privacy

Your use of the Service is also governed by our Privacy Policy. Calculations are performed entirely in your browser. We do not collect, store, or transmit the financial inputs you enter into our calculators.

9. Intellectual Property

The Service and its original content, features, and functionality are owned by ClearFigure and are protected by applicable copyright, trademark, and other intellectual property laws. The underlying tax bracket data and financial formulas are public domain (sourced from government publications).

10. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to a jury trial and to participate in any class action.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

12. Contact

If you have questions about these Terms, please visit our Methodology page for information about our data sources and accuracy standards.