Terms of Use
By using freelifetools.net you agree to these terms. They're short and worth actually reading.
Educational estimates, not advice
Everything on this site — calculators, articles, worked examples — is educational information about how certain kinds of math work. It is not financial, investment, tax, legal, or medical advice, and no result produced by a calculator here constitutes a recommendation for your specific situation. Calculators apply general formulas to the numbers you enter; they cannot see your credit profile, health history, local costs, tax situation, or anything else that professionals exist to evaluate. Before acting on anything significant — refinancing, taking a loan, buying solar, changing your diet — consult a qualified professional.
Accuracy
We work hard to keep the formulas correct and the content accurate, and we fix reported errors promptly. Still, the site is provided "as is," without warranties of any kind, express or implied. Rates, incentive programs, and regulations change frequently; content that was accurate when written may drift. Verify anything consequential against a primary source.
Limitation of liability
To the maximum extent permitted by law, freelifetools.net and its operator are not liable for any damages arising from your use of, or inability to use, this site or its content — including decisions made in reliance on calculator results or articles.
Acceptable use
Don't attempt to disrupt the site, scrape it at abusive rates, or use it in ways that violate applicable law. Linking to any page is welcome; republishing substantial portions of the content without permission is not.
Intellectual property
The content, design, and code of this site are owned by its operator except where noted. The underlying mathematical formulas are, of course, public knowledge — you can't copyright amortization — but the specific explanations, examples, and implementations here are original work.
Third-party links and ads
The site links to external resources and displays third-party advertising. We're not responsible for the content, accuracy, or practices of external sites, including advertisers. An ad appearing here is not an endorsement.
Changes
These terms may be updated; the date above reflects the latest revision. Continued use after changes constitutes acceptance. Questions: contact@freelifetools.net.