Terms of Service | MoneyMage

Please read these Terms of Service ("Terms") carefully before using moneymage.ai (the "Site"), operated by MoneyMage ("we," "us," or "our").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Nature of the Service

MoneyMage provides free online financial calculators and interest rate information for educational and informational purposes only. Our tools include mortgage calculators, compound interest calculators, 401(k) retirement calculators, inflation calculators, auto loan calculators, and current rate displays sourced from the Federal Reserve Economic Data (FRED) API.

Not Financial Advice

The information and tools on this Site do not constitute financial, investment, tax, or legal advice. Calculator results are mathematical estimates based on the inputs you provide and the assumptions built into each model. They do not account for all factors that may affect your specific financial situation.

We are not financial advisors, tax professionals, or licensed professionals of any kind. You should consult a qualified financial advisor, tax professional, or other appropriate expert before making any financial decisions.

Accuracy and Limitations

While we strive for mathematical accuracy and clearly document our calculation methodologies on each calculator page, we make no warranty that our calculators are free from errors. Specifically:

Interest rates displayed on our rate pages are sourced from the FRED API and may not reflect the exact rate available to you from any specific lender.
Calculator results are estimates. Actual loan payments, investment returns, tax implications, and other financial outcomes may differ based on factors not captured by our models.
Historical rate data is provided for informational context and does not predict future rates.

Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

Use the Site in any way that could damage, disable, or impair it
Attempt to gain unauthorized access to any part of the Site
Use automated systems (bots, scrapers) to access the Site in a manner that sends more requests than a human could reasonably produce
Reproduce, distribute, or create derivative works from the Site's content without our permission

Intellectual Property

All content on the Site — including text, calculators, design, code, and graphics — is owned by MoneyMage and protected by applicable intellectual property laws. You may use the Site for personal, non-commercial purposes. You may not copy, modify, or redistribute our content without written permission.

The Site is supported by advertising revenue. Advertisements are provided by third-party networks including Google AdSense. We are not responsible for the content, accuracy, or practices of any advertiser. Clicking on an advertisement will take you to a third-party site governed by that party's own terms and privacy policy.

Limitation of Liability

To the fullest extent permitted by law, MoneyMage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, including but not limited to financial losses resulting from reliance on calculator outputs or rate information displayed on the Site.

Our total liability for any claim arising from your use of the Site shall not exceed the amount you paid us for access to the Site (which is zero, as the Site is free).

Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Changes to These Terms

We may modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact Us

If you have questions about these Terms, contact us at:

Email: feedback@moneymage.ai