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Visual Finances

Terms of Use

Last updated: June 2025

Please read these Terms of Use ("Terms") carefully before using visualfinances.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of terms

These Terms constitute a legally binding agreement between you and Visual Finances regarding your use of the Site. We may update these Terms at any time by posting a revised version. The date of the most recent revision appears at the top of this page. Your continued use of the Site after any revision constitutes acceptance of the updated Terms.

2. Educational use only — not financial advice

The Site and all content on it — including calculators, articles, charts, and other materials — are provided for informational and educational purposes only. Nothing on the Site constitutes financial, investment, tax, legal, or accounting advice. The calculators use simplified mathematical models and generalized assumptions that may not reflect your personal circumstances, applicable laws, or actual market conditions.

You are solely responsible for any financial decisions you make. We strongly recommend consulting a qualified financial advisor, CPA, or attorney before making significant financial decisions. See our full Disclaimer.

3. Permitted use

You may use the Site for personal, non-commercial educational purposes. All calculator tools are free to use. You may share links to individual pages and calculators freely.

4. Prohibited conduct

You agree not to:

5. Intellectual property

All content on the Site — including text, articles, calculator logic, source code, design, graphics, and visualizations — is owned by Visual Finances or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

You may quote or reference short excerpts of articles for commentary, education, or reporting purposes, provided you clearly attribute Visual Finances and link to the original page. You may not reproduce entire articles, calculators, or other substantial portions of the Site's content without our prior written permission.

6. Third-party content and links

The Site may contain links to third-party websites or resources. These links are provided for convenience only. We do not endorse and are not responsible for the content, accuracy, or privacy practices of any third-party site. Your use of any linked site is governed by that site's own terms and policies.

7. Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VISUAL FINANCES AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED US DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Visual Finances and its operators from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

10. Governing law

These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site shall be resolved in a court of competent jurisdiction in the United States.

11. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

12. Contact

Questions about these Terms? Email us at admin@visualfinances.com or visit our contact page.