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By accessing or using Ledgerline (the “Site”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

Ledgerline provides free financial calculators, articles, and news for general informational and educational purposes. You may use the Site for personal, non-commercial purposes. You agree not to misuse the Site, interfere with its normal operation, or attempt to access it through automated means beyond reasonable, good-faith use.

Every calculator on this Site produces an estimate based on the numbers you enter and simplified assumptions described on each tool’s page. Results are not guaranteed to be accurate, complete, or applicable to your specific situation, and they do not account for every factor a bank, lender, employer, or tax authority might apply. Nothing on this Site is financial, legal, tax, or investment advice. See our Financial Disclaimer for more detail.

The design, text, calculators, and other original content on this Site are owned by Ledgerline unless otherwise noted. You may not copy, republish, or redistribute substantial portions of the Site’s content without permission, though you’re welcome to link to our pages.

You agree not to use the Site to violate any applicable law, to transmit harmful code, to scrape or bulk-extract content without permission, or to misrepresent the Site’s calculators or content as your own.

The Site may link to third-party websites or resources (for example, in articles or further-reading sections). We don’t control and aren’t responsible for the content, accuracy, or practices of any third-party site.

The Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including but not limited to accuracy, reliability, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

To the fullest extent permitted by law, Ledgerline and its operators will not be liable for any indirect, incidental, or consequential damages, or for any financial decisions made in reliance on calculators, articles, or other content on this Site.

We may revise these Terms from time to time. The “Last updated” date above reflects the most recent version. Continuing to use the Site after changes take effect means you accept the revised Terms.

These Terms are governed by applicable local law in the jurisdiction where Ledgerline operates, without regard to conflict-of-law principles.

Questions about these Terms can be sent via the details on our Contact page.