Terms of Use & Disclaimer
1. Acceptance of terms
By accessing or using calcclarity.com (the “Site”), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site. CalcClarity reserves the right to update these terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.
2. Who we are
CalcClarity is a free financial calculator platform operated as an individual website based in Michigan, United States. For questions, contact [email protected].
3. Disclaimer — not financial or tax advice
All calculators, results, estimates, narratives, and content on CalcClarity are provided for general informational and planning purposes only. They do not constitute and should not be relied upon as:
- Financial advice or investment recommendations
- Tax advice or tax preparation services
- Legal advice
- Accounting services
- Professional advice of any kind
Calculator results are estimates based on the inputs you provide and generalized tax logic. Your actual tax liability, take-home pay, or financial outcome may differ materially based on your full personal tax situation, filing status, deductions, local taxes, employer arrangements, and other factors not captured in these tools.
CalcClarity is not a licensed financial advisor, tax preparer, CPA, or attorney. Always consult a qualified professional before making financial, employment, or relocation decisions.
4. Accuracy of information
We make reasonable efforts to keep tax rates, brackets, and other figures current and accurate. CalcClarity updates its calculators annually in January to reflect the current tax year. However:
- Tax laws change frequently and mid-year updates may not be reflected immediately
- State tax rates shown are effective rate approximations, not precise progressive bracket calculations for every income level
- Cost of living index values are state-level averages and may not reflect your specific city
- We make no warranty, express or implied, that any information on the Site is complete, accurate, or current
Use of CalcClarity results for actual tax filing, salary negotiation, or major financial decisions without independent professional verification is at your own risk.
5. Limitation of liability
To the fullest extent permitted by applicable law, CalcClarity and its operator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or reliance on this Site or its calculators, including but not limited to:
- Financial losses resulting from decisions made based on calculator outputs
- Tax penalties or underpayments resulting from reliance on our estimates
- Errors, inaccuracies, or omissions in calculator logic or displayed figures
- Interruption or unavailability of the Site
Your use of CalcClarity is entirely at your own risk.
6. Permitted use
CalcClarity grants you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not:
- Reproduce, copy, or redistribute calculator code, content, or design without permission
- Use the Site for commercial purposes without prior written consent
- Attempt to reverse engineer, scrape, or automate access to the Site
- Use the Site in any way that could damage, disable, or impair its operation
7. Third-party links
CalcClarity may link to third-party websites (such as IRS.gov, coli.org, or kff.org) for reference purposes. These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, or practices of any third-party site. Linking to a third-party site does not constitute an endorsement.
8. Affiliate disclosure
CalcClarity may in the future display affiliate links or sponsored recommendations related to financial products and services. When affiliate relationships exist, they will be clearly disclosed on the relevant page. Affiliate relationships do not influence the accuracy or methodology of our calculators.
9. Intellectual property
All content on CalcClarity — including calculator logic, design, copy, and visual assets — is the property of CalcClarity and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any CalcClarity content without express written permission.
10. Governing law
These Terms of Use are governed by the laws of the State of Michigan, United States, without regard to its conflict of law provisions. Any dispute arising from use of this Site shall be resolved in the courts of Michigan.