Terms of Use
By using foliofledge.com (the "Site"), you agree to these terms. If you don't agree, please don't use the Site.
1. What the Site provides
Free educational calculators and articles about personal finance, provided for general informational and educational purposes only.
2. Not financial advice
Nothing on the Site constitutes financial, investment, tax, accounting, or legal advice, and no advisor-client relationship is created by your use of it. Calculator outputs are mathematical illustrations based solely on the numbers you enter and stated assumptions — not recommendations, forecasts, or guarantees. Consult a qualified, licensed professional before significant financial decisions.
3. Accuracy and availability
We work hard to keep formulas correct and content current, but the Site is provided "as is" and "as available" without warranties of any kind, express or implied — including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. Rates, tax rules, and financial products change; verify important figures with your bank or lender.
4. Permitted use
- You may use the calculators freely for personal, educational, or classroom purposes and link to any page.
- You may not scrape, republish, or redistribute substantial portions of the Site's content without permission, misrepresent Site output as professional advice, or use the Site unlawfully.
5. Limitation of liability
To the maximum extent permitted by law, FolioFledge and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of — or inability to use — the Site or its content, including decisions made in reliance on calculator outputs.
6. Third-party links and ads
The Site may display advertisements and link to third-party websites or products, including affiliate links. We don't control third-party sites and aren't responsible for their content, policies, or practices. See the privacy policy and disclaimer.
7. Intellectual property
The Site's design, text, and code are owned by FolioFledge or its licensors. The underlying financial formulas are public knowledge — you're welcome to verify and reuse the math itself.
8. Changes & contact
We may update these terms; the effective date above reflects the latest version. Continued use after changes means acceptance. Questions: hello@foliofledge.com or the contact page.