Terms of Service

Terms details

These Terms of Service (“Terms”) govern your use of wealthton.com and related pages operated by Wealthton (the “Site”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

What Wealthton provides

Wealthton publishes free financial education, articles, learning guides, and interactive calculators. The Site is designed to help people explore scenarios, compare tradeoffs, and learn personal-finance concepts.

Wealthton does not provide individualized financial, investment, tax, legal, accounting, or insurance advice. Using the Site does not create an advisor–client, fiduciary, attorney–client, or similar professional relationship.

Educational information only

Articles, guides, examples, and calculator outputs are for general information and education. They are not recommendations to buy, sell, hold, borrow, refinance, contribute, withdraw, or take any specific financial action.

Many pages use hypothetical households, rounded dollar amounts, fixed return assumptions, or simplified timelines to teach a concept. Those examples are teaching tools. They are not forecasts and not claims about what will happen for any real person or market.

Calculators and estimates

Calculators produce estimates from the inputs you enter and the assumptions shown on the page or in our Calculator Methodology. Results can change if you change inputs. Real-world outcomes can differ because of taxes, fees, market moves, lender rules, account terms, inflation, behavior, and timing.

Do not treat a calculator result as a quote, approval, guarantee, underwriting decision, or professional plan. For major decisions, verify details against your own statements, contracts, and official rules, and consult a qualified professional where needed.

Acceptable use

You may use the Site for lawful, personal, non-commercial learning and planning exploration, unless we expressly allow otherwise. You agree not to:

• Attempt to disrupt, overload, or interfere with the Site’s normal operation
• Scrape, harvest, or automate access in a way that harms the Site or other users, except as allowed by ordinary browsers or search engines
• Misrepresent calculator outputs or article content as personalized advice from Wealthton
• Use the Site to violate applicable law

Accounts and local processing

Most calculators run in your browser and do not require an account. Inputs you type are generally used on your device to display results. Additional data practices are described in the Privacy Policy.

Intellectual property

Site content, branding, layout, and software are owned by Wealthton or used under license. You may view and use pages for personal education. You may not copy, republish, or redistribute substantial portions of the Site for commercial use without prior written permission, except for ordinary quoting with attribution where fair dealing or similar exceptions apply.

Third-party links and advertising

The Site may link to government sources, educational references, or other external sites. Wealthton does not control those sites and is not responsible for their content, availability, or practices. Advertising or analytics, if present, is described in the Privacy Policy and does not rewrite calculator logic or editorial conclusions.

No warranties

The Site is provided “as is” and “as available.” To the fullest extent permitted by law, Wealthton disclaims warranties of accuracy, completeness, uninterrupted availability, fitness for a particular purpose, and non-infringement. Financial rules and market conditions change; always verify current official information before acting.

Limitation of liability

To the fullest extent permitted by applicable law, Wealthton and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or losses arising from decisions you make after using the Site. Wealthton’s total liability for any claim relating to the Site will not exceed the amount you paid Wealthton to use the Site in the twelve months before the claim (which is typically zero for free access).

Some jurisdictions do not allow certain limitations. In those places, our liability is limited to the maximum extent allowed by law.

Indemnity

You agree to defend and hold Wealthton harmless from claims arising out of your misuse of the Site or your violation of these Terms, to the extent permitted by law.

Changes to the Site and these Terms

We may update, add, or remove pages, calculators, and features. We may also update these Terms. The “Last updated” date at the top of this page will change when we do. Continued use after an update means you accept the revised Terms.

Related policies

These Terms work together with:

• Privacy Policy
• Disclosures
• Editorial Policy
• Calculator Methodology
• Legal hub

Contact

Questions about these Terms can be sent through the Contact page.

Governing considerations

These Terms are intended for general website use. Local consumer or other laws may give you rights that cannot be waived. Nothing in these Terms is meant to limit rights that cannot be limited under applicable law.