Financial Disclaimer

In short

This site is general information, not advice. The numbers are estimates. We are not a licensed adviser, broker or insurer. Verify anything that matters with the professional who issues your product.

No advice

The calculators, articles and explanations on this site are general information only. They are not financial, tax, legal, insurance or investment advice. Nothing on the site constitutes a recommendation that you buy, sell, refinance or hold any product.

Always confirm details with the lender, insurer, broker or licensed professional who actually issues the product. They will use your full application, your credit history, your jurisdiction and current rates — none of which the calculator can replicate.

Not a registered adviser, broker or insurer

FreeCalculators is an educational publisher. We are not a registered investment adviser, broker-dealer, insurance producer, lender or tax preparer, and we are not registered with the SEC, FINRA, any state insurance regulator or any comparable authority. Our tools do not hold, transmit or manage money.

Estimates vs. real numbers

A calculator can model a single scenario. A real-world outcome depends on underwriting, fees, taxes, bonuses, penalties, exchange rates, prepayments and timing — most of which we cannot see. Where a tool requires an assumption (property tax, insurance, inflation, depreciation, marginal tax brackets), the assumption is shown on the page; double-check it matches your situation.

No fiduciary relationship

Using this site does not create a fiduciary, advisory or professional relationship between you and us. There is no client, no engagement letter and no duty of care beyond what this disclaimer describes.

No guarantees on accuracy or availability

We test every engine before release and again on every commit, but we do not guarantee the absence of bugs. The site may be temporarily unavailable, and content may be updated or removed at any time.

Limitation of liability

To the fullest extent permitted by law, FreeCalculators is not liable for any direct, indirect, incidental, consequential or punitive loss arising from use of the site or reliance on its output — including lost profits, missed opportunities or financial losses. If you rely on a calculator result for a real decision, that reliance is at your own discretion after independent verification.

Jurisdiction and governing law

This disclaimer and your use of the site are governed by the laws of the Republic of India, without regard to conflict-of-law rules. Nothing here limits any consumer rights you hold under the mandatory law of your own jurisdiction. Questions about this page can go to our contact email listed on the contact page.

Your responsibility

If a number drives a decision that materially affects your finances, verify it with the issuer and, where appropriate, with an independent professional. The cost of that verification is almost always less than the cost of an unchecked error.