Effective date: [Month Day, Year]
These Terms of Use govern your use of pocketwiselab.com (the “Site”), operated by [Legal name of owner or business]. By using the Site, you agree to these terms. If you do not agree, please do not use the Site.
Information only — not professional advice
Content on the Site is for general educational purposes. It is not financial, investment, tax, legal, insurance, or engineering advice, and it is not a substitute for advice from a qualified professional who knows your situation. Always verify important decisions with your lender, insurer, utility, tax professional, or licensed contractor.
Calculators and estimates
Our calculators provide illustrative estimates based on the information you enter and the assumptions described on each calculator page. Results are not guarantees, quotes, or offers, and actual outcomes may differ.
Accuracy
We work to keep information accurate and current, as described in our Editorial Policy, but prices, rates, programs, laws, and product details change. We make no guarantee that all information is complete or up to date.
Third-party links, ads, and affiliate relationships
The Site contains links to third-party websites, advertising, and affiliate links. We are not responsible for third-party content, products, services, or practices, and your dealings with them are solely between you and that third party. See our Affiliate Disclosure.
Intellectual property
Unless otherwise noted, the Site’s text, graphics, calculators, and design are owned by [Legal name] and protected by copyright. You may share links and brief quotations with attribution. You may not copy, republish, or scrape substantial portions of the Site without written permission.
Acceptable use
You agree not to misuse the Site — including attempting to disrupt it, accessing it with automated tools in a way that burdens it, submitting spam or unlawful content through our forms, or clicking advertisements fraudulently.
Disclaimer of warranties
The Site is provided “as is” and “as available,” without warranties of any kind, express or implied, to the fullest extent permitted by law.
Limitation of liability
To the fullest extent permitted by law, [Legal name] will not be liable for any indirect, incidental, consequential, or special damages, or for any loss arising from your use of or reliance on the Site.
Governing law
These terms are governed by the laws of the State of [State], without regard to its conflict-of-laws rules.
Changes
We may update these terms. Continued use of the Site after changes are posted means you accept the updated terms.
Contact
Questions? Use our contact page.