Legal

Legal links

Wealthton provides free calculators and educational content. The following pages describe how we operate and what you can expect when you use the site.

• Privacy Policy — data collection, analytics, cookies, and advertising (including Google AdSense).
• Advertising & cookies — shortcut to the advertising section of our privacy policy.
• Disclosures — what Wealthton does, what it does not do, and how educational calculators should be used.
• Editorial Policy — how articles and calculator explanations are written, reviewed, and updated.
• Calculator Methodology — the formulas, assumptions, and limits behind the tools.

Disclaimer

Calculators and articles are for information and education only. They are not financial, investment, tax, or legal advice. Results are estimates; consult a qualified professional before making decisions.

Any examples on the site use simplified numbers to explain a concept. They should not be treated as a recommendation to buy, sell, borrow, insure, refinance, withdraw, or contribute in a specific way.

How to use this legal hub

If you want to know what data the site may collect, start with the Privacy Policy. If you want to understand the line between education and advice, read Disclosures. If you want to know how a calculator or article is produced, use the methodology and editorial pages instead.

Important limits

Financial rules can vary by country, province, state, lender, insurer, and tax year. A calculator may help you compare scenarios, but it cannot replace account statements, lender documents, government notices, or a policy contract issued to you.

When a page discusses contribution limits, tax treatment, insurance mechanics, or borrowing terms, use the linked source material and verify the latest official information before acting.

Site availability and changes

We may update, remove, rename, or redesign pages as calculators improve and new educational material is added. We try to preserve useful URLs and redirects, but the site should not be relied on as a permanent storage place for your personal calculations.

If you need a record for a major decision, keep your own notes about the inputs, assumptions, date, and source documents you used.

Practical verification checklist

Before acting on any estimate, verify five items: the date of the assumption, your local rule set, your account or contract terms, fees and taxes, and how sensitive the result is to less favorable assumptions. A decision that still works after those checks is typically more durable than one that works only in best-case conditions.

For major commitments, keep a short decision log with assumptions and source links. This creates an audit trail for yourself and makes it easier to revisit choices when rates, rules, or life circumstances change.

External links

Some pages link to government resources, data providers, educational references, or third-party services. Those links are included to help readers verify rules or continue research. Wealthton does not control those external sites and is not responsible for their content, availability, or privacy practices.

Reader responsibility

Financial planning depends on details a website cannot fully see: household obligations, job stability, tax filing status, local law, credit history, insurance contracts, health needs, dependants, and comfort with uncertainty. Use Wealthton as a place to understand the shape of a decision, then verify the details that apply to you.

No client relationship

Using this website does not create a client, advisor, fiduciary, attorney-client, or accountant-client relationship between you and Wealthton. The site is designed as general educational content for a broad audience and does not collect enough personal context to issue individualized recommendations.

If you need advice tailored to your circumstances, use licensed professionals who can review your documents, constraints, and legal obligations in your jurisdiction.

Decision-use guidance

A practical way to use legal and methodology pages is to map each important decision to source documents outside this site. For a mortgage decision, that means lender term sheets, local tax treatment, insurance requirements, and closing-cost disclosures. For retirement withdrawals, that means account rules, required distribution requirements, and local tax implications. For debt payoff, that means current statements, promotional-rate deadlines, and penalty terms.

In other words, the site can help frame the decision and test scenarios, but final execution should be anchored to your own contracts and official notices. If there is a conflict between a calculator estimate and your formal account documents, rely on the formal documents and treat the estimate as an educational model.

Educational examples

Some articles use fictional households, rounded dollar amounts, or simplified timelines. These examples exist to make a concept easier to understand. They are not statements that a similar-looking situation will produce the same result for every reader.

If a page gives a general rule of thumb, treat it as a starting point. The better question is usually, “Which assumption would change this answer for me?”

This legal page should be read together with Privacy, Disclosures, and Methodology pages for full context on how to use results responsibly.