Effective date: June 5, 2026
MyMoneyCalcs.com ("the Site") is operated by Lovesta LLC ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms of Service. If you do not agree, please do not use the Site.
1. Financial Disclaimer — Not Financial Advice
The calculators, articles, glossary, and other content on this Site are provided for general informational and educational purposes only. They do not constitute, and should not be relied upon as, financial, investment, tax, legal, accounting, or other professional advice.
We are not a bank, lender, broker, financial advisor, or fiduciary, and using this Site does not create any advisor-client relationship. Before making any financial decision, you should consult a qualified professional who can consider your individual circumstances.
2. Accuracy of Calculations and Estimates
Our calculators use standard financial formulas to produce estimates. Results are illustrative only and may not reflect the actual terms, rates, fees, taxes, or amounts you would receive from any lender or financial institution. Real-world figures depend on factors we do not capture, including your credit profile, lender policies, rounding, compounding conventions, insurance, and current market rates.
We make no representation or warranty that any result is accurate, complete, or suitable for your situation. You are solely responsible for verifying any figure before acting on it.
3. No Warranties
The Site is provided "as is" and "as available," without warranties of any kind, whether 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, secure, or free of harmful components.
4. Limitation of Liability
To the fullest extent permitted by law, Lovesta LLC and its owners, officers, and contributors will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of (or inability to use) the Site or its content, including any financial decisions or losses, even if advised of the possibility of such damages.
5. Advertising and Affiliate Links
The Site displays third-party advertising (including Google AdSense) and may contain affiliate links. If you click certain links and complete a purchase or action, we may earn a commission at no additional cost to you. Advertisements and affiliate relationships do not constitute an endorsement, and we are not responsible for the products, services, or content of third parties. See our Affiliate Disclosure for more detail.
6. Acceptable Use
You agree not to misuse the Site, including by attempting to interfere with its normal operation, scraping or copying content at scale, introducing malicious code, or using the Site for any unlawful purpose.
7. Intellectual Property
All content on the Site — including text, calculators, design, and graphics — is owned by or licensed to Lovesta LLC and is protected by applicable intellectual property laws. You may use the calculators for your personal, non-commercial purposes. You may not reproduce, republish, or redistribute substantial portions of the Site without our prior written permission.
8. Third-Party Links
The Site may link to third-party websites for your convenience. We do not control and are not responsible for the content, policies, or practices of those websites. Accessing them is at your own risk.
9. Changes to the Site and These Terms
We may modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms from time to time; the "Effective date" above reflects the latest revision. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.
10. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law provisions. Any dispute arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Texas.
11. Contact
Questions about these Terms? Contact us.