Terms of Service

By using sum.money, you agree to these terms. If you don't agree, please don't use the site.

What sum.money Is

sum.money is a free informational website that provides financial calculators. We are not a financial advisor, broker, bank, lender, or licensed financial services provider. We do not sell financial products, do not manage money, and do not provide personalized recommendations.

Not Financial Advice

Calculator results are estimates for informational purposes only. They are not financial, tax, investment, or legal advice. The numbers you see are based on simplified models and publicly available averages — they may not reflect your actual situation.

Always consult a qualified financial advisor, tax professional, or mortgage lender before making financial decisions. Do not rely solely on calculator results to buy a home, refinance a mortgage, or make any other financial commitment.

Accuracy

We strive to keep our formulas, default values, and calculations accurate and up-to-date. However, tax rates change, interest rates fluctuate, and legislation varies by jurisdiction. We do not guarantee that any result is correct, complete, or current at the time you use it.

Market-specific calculators (e.g., US mortgage, German Hypothek) use formulas and defaults appropriate for that market. These defaults are based on publicly available data and are updated periodically — they may not match current conditions.

No Warranty

sum.money is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the site will be uninterrupted, error-free, or free from harmful components. We do not warrant the accuracy or reliability of any calculation.

Limitation of Liability

To the maximum extent permitted by applicable law, sum.money, its owner, and its contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the site or its calculators.

This includes, without limitation, damages for lost profits, lost savings, financial losses from reliance on calculator results, or any other losses — even if we have been advised of the possibility of such damages.

Intellectual Property

All content, design, code, and branding on sum.money are owned by sum.money. You may not copy, reproduce, scrape, or redistribute any part of the site without permission.

Embedding is allowed. You may embed sum.money calculators on your website using the provided embed code. Embedded calculators must include "Powered by sum.money" attribution and must not be modified or rebranded.

Third-Party Links

sum.money may contain links to external websites. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Visiting external links is at your own risk.

Changes to These Terms

We may update these terms from time to time. The "Last updated" date at the top will reflect the most recent revision. Continued use of sum.money after changes constitutes acceptance of the updated terms.

Governing Law

These terms are governed by and construed in accordance with the laws of Georgia (the country). Any disputes arising from these terms or your use of sum.money shall be subject to the exclusive jurisdiction of the courts of Georgia.

Contact

If you have questions about these terms, email us at privacy@sum.money.

← Back to calculator