Terms of Service

1. Acceptance of Terms

By accessing or using Tabularo at tabularo.com (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors and users of the Site.

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any change constitutes acceptance of the new Terms.

2. Description of Service

Tabularo provides free online calculators for personal finance, mortgage planning, tax estimation, investment analysis, and related topics. All calculators are provided as a free public service. We do not charge for access to any calculator on the Site.

We reserve the right to modify, suspend, or discontinue any aspect of the Site at any time without notice or liability.

3. Calculator Results Are Estimates Only

All results produced by Tabularo calculators are estimates and approximations only. They are not financial, tax, legal, or professional advice of any kind.

Calculator results are based on simplified mathematical models and the inputs you provide. Real-world financial outcomes depend on many factors not captured by these calculators, including but not limited to: interest rate fluctuations, tax law changes, fees, prepayment penalties, insurance costs, property value changes, employer matching rules, and individual financial circumstances.

Before making any financial decision — including taking out a mortgage, making an investment, or planning for retirement — you should consult a qualified financial advisor, tax professional, or other licensed professional as appropriate for your situation. Do not rely solely on calculator outputs for important financial decisions.

4. No Warranty

THE SITE AND ALL CALCULATORS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY 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: (a) the calculator results are accurate, complete, or current; (b) the Site will be uninterrupted or error-free; (c) defects will be corrected; or (d) the Site or the servers that make it available are free of viruses or harmful components.

While we strive to keep calculators accurate and up to date, formulas, tax rates, and financial parameters change over time. We make no guarantee that any specific calculator reflects current rates, regulations, or best practices.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TABULARO AND ITS OWNERS, OPERATORS, EMPLOYEES, OR AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR ANY CALCULATOR RESULTS, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You assume full responsibility for all financial decisions you make based on information obtained from Tabularo. We are not responsible for any financial loss or harm that results from reliance on our calculator outputs.

6. Intellectual Property

All content on the Site — including but not limited to text, calculations, code, graphics, user interface design, and educational content — is the intellectual property of Tabularo and is protected by applicable copyright and intellectual property laws.

You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from the Site without prior written permission from us.

7. Acceptable Use

You agree not to use the Site in any way that: (a) violates any applicable local, national, or international law or regulation; (b) attempts to gain unauthorized access to any part of the Site or its infrastructure; (c) introduces malicious code or interferes with the Site’s normal operation; or (d) scrapes or automatically harvests content from the Site without our express written permission.

8. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content or practices of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Accessing any third-party website linked from Tabularo is at your own risk.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from or relating to these Terms or the Site shall be subject to the exclusive jurisdiction of the applicable courts.

10. Contact

If you have any questions about these Terms of Service, please contact us at contact@tabularo.com.