Terms of Service

These Terms of Service (“Terms”) govern your access to and use of NetWorthWizard (“we”, “us”, “our”), including our website, calculators, tools, and related content (collectively, the “Services”).

Effective date: 2026-01-01
Last updated:

Quick Summary

  • Informational only: Tools and content are provided for educational purposes and are not professional advice.
  • Estimates: Calculator outputs are approximations and may differ from real outcomes.
  • Use at your risk: You are responsible for decisions made based on the Services.
  • Fair use: Don’t abuse the site (scraping, attacks, illegal use).

1) Acceptance of These Terms

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization.

2) Eligibility

You must be at least the age of majority in your jurisdiction to use the Services. If you are not, you may use the Services only with the involvement and consent of a parent or legal guardian.

3) No Professional Advice

The Services provide general information and educational tools. We are not providing financial, legal, tax, or accounting advice. You should consult qualified professionals before making decisions based on the Services.

Important: Do not rely on calculator outputs as a substitute for professional advice. Outputs may be simplified, may use assumptions, and may not reflect your personal circumstances.

4) Calculator Inputs & Outputs

You may enter values into our tools (e.g., salary, debt, interest rates). Unless explicitly stated otherwise, inputs are intended to be processed locally in your browser, and we do not require you to create an account.

  • Do not enter sensitive data: Avoid entering personal identifiers or confidential information.
  • Outputs are estimates: Results depend on assumptions and may not match real outcomes.

5) Acceptable Use

You agree not to misuse the Services. This includes (but is not limited to):

  • Attempting to gain unauthorized access to the Services or related systems
  • Interfering with, disrupting, or attacking the Services (e.g., DDoS, probing, malware)
  • Using automated scripts to scrape content at scale without permission
  • Using the Services in violation of applicable laws or regulations
  • Removing or altering notices (copyright, trademarks, legal notices)

6) Intellectual Property

The Services, including text, design, graphics, logos, and calculator logic, are owned by NetWorthWizard or its licensors and are protected by intellectual property laws.

  • You may use the Services for personal, non-commercial purposes.
  • You may not copy, reproduce, distribute, sell, or create derivative works without written permission.

7) Third-Party Links, Ads & Services

The Services may include links to third-party websites and may display advertisements (e.g., Google AdSense). Third parties may collect information via cookies or similar technologies according to their own policies.

  • We do not control and are not responsible for third-party sites, products, or services.
  • Your interactions with third parties are solely between you and the third party.
  • Review third-party terms and privacy policies before engaging with them.

8) Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including (without limitation) warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, secure, error-free, or that outputs will be accurate or complete.

9) Limitation of Liability

To the maximum extent permitted by law, NetWorthWizard 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, arising from:

  • Your use of (or inability to use) the Services
  • Reliance on calculator outputs or content
  • Third-party content, ads, products, or services
  • Unauthorized access to or alteration of your transmissions or data

10) Indemnification

You agree to indemnify and hold harmless NetWorthWizard from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your use of the Services or violation of these Terms.

11) Termination

We may suspend or terminate access to the Services at any time if we reasonably believe you have violated these Terms or if required to comply with law. You may stop using the Services at any time.

12) Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

13) Governing Law

These Terms are governed by the laws applicable in the relevant jurisdiction, without regard to conflict of law principles. If you operate or use the Services in a specific country/state, additional local consumer protections may apply.

14) Contact

If you have questions about these Terms of Service, please contact us via our contact page.

Contact page →

These Terms of Service are provided for informational purposes and may not reflect all legal requirements for all jurisdictions. Consider obtaining legal advice if you operate in regulated markets.