Terms of Use

1. Estimates, not advice

TheMoneySheet provides free calculators and educational content. All outputs are estimates only and are not professional tax, financial, accounting, or legal advice. Consult a qualified professional before relying on any result. See our Disclaimer.

2. No warranty

The site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or non-infringement.

3. Limitation of liability

To the maximum extent permitted by law, TheMoneySheet and its operators are not liable for any loss or damage arising from your use of, or reliance on, the site, its calculators, or its content — including decisions made or taxes filed based on an estimate.

4. Acceptable use

You agree to use the site lawfully and not to disrupt, scrape abusively, reverse-engineer, or misuse it. We may suspend access for misuse.

5. Intellectual property

The site's design, text, and calculator logic are owned by TheMoneySheet or its licensors and may not be copied or redistributed without permission.

6. Affiliate relationships

We earn commissions from some links, disclosed on our Affiliate Disclosure page. These never change our calculations or recommendations.

7. Governing law & changes

These terms are governed by the laws of the applicable U.S. jurisdiction (to be finalized with counsel). We may update these terms; continued use after a change constitutes acceptance. The "last updated" date above reflects the current version.