AdvisorCalc Terms of Service

AdvisorCalc provides software tools that perform calculations based on information, assumptions, selections, and other inputs supplied by users.

AdvisorCalc does not provide financial, investment, tax, legal, accounting, actuarial, insurance, retirement-planning, estate-planning, or other professional advice. AdvisorCalc is not a financial adviser, investment adviser, broker-dealer, fiduciary, accountant, attorney, tax preparer, insurance producer, or other professional adviser.

Calculator results are estimates provided for informational and educational purposes only. Results are not recommendations, guarantees, promises, forecasts, or assurances of any financial, tax, investment, retirement, insurance, legal, or other outcome.

You must independently review and verify all inputs, assumptions, formulas, source information, calculations, and results before relying on them or presenting them to another person.

The Service must not be used as the sole basis for any financial or other material decision. You are responsible for consulting appropriately qualified professionals before making or recommending decisions based on information obtained through the Service.

Financial professionals remain solely responsible for:

• Determining whether a calculator is appropriate for a particular client or situation;
• Independently verifying calculations and results;
• Evaluating the client’s complete facts and circumstances;
• Providing all required disclosures and explanations;
• Complying with applicable professional, fiduciary, regulatory, licensing, supervisory, advertising, documentation, and recordkeeping obligations; and
• Exercising their own professional judgment.

AdvisorCalc does not assume responsibility for any advice, recommendation, representation, report, communication, or decision made by a user based on the Service.

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service.

The Service is designed primarily for financial professionals and other business or professional users in the United States. However, access is not restricted exclusively to licensed financial professionals.

If you use the Service for personal purposes, you acknowledge that AdvisorCalc does not evaluate your individual circumstances and does not provide personalized advice.

If you use the Service on behalf of a company, advisory practice, employer, or other organization, you represent that you have authority to bind that organization to these Terms. In that case, “you” includes both you and the organization.

The Service is currently intended only for users located in the United States. You may not use the Service where its use would violate applicable law.

Some portions of the Service may be available without an account. Access to paid calculators and other features requires an account and an active subscription or trial.

When creating an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the accuracy of your account information.

You are responsible for:

• Protecting your login credentials;
• Maintaining the security of your account;
• Restricting unauthorized access to your account and devices; and
• All activity that occurs through your account.

You must promptly notify us at admin@advisorcalc.com if you believe your account has been compromised or used without authorization.

Authentication services are provided through Clerk or its successors. Passwords are handled through the authentication provider. You must also comply with any terms applicable to your use of that provider’s services.

Unless we expressly agree otherwise in writing, each paid subscription is licensed to one individual user.

A subscriber may access the account from multiple personal devices but may not:

• Share login credentials with another person;
• Allow another person to regularly use the subscriber’s account;
• Purchase one subscription for shared use by multiple employees or members of a firm; or
• Circumvent user, account, subscription, or access restrictions.

A subscriber may use the calculators in connection with services provided to any number of the subscriber’s own clients, subject to these Terms.

We may offer team, firm, enterprise, or multi-user plans in the future. Such plans may be subject to additional terms.

AdvisorCalc may make certain calculators or features available without charge for demonstration or evaluation purposes.

Demo calculators may have fewer features, different limitations, reduced functionality, or different data from paid calculators. We may modify or discontinue demo access at any time.

Access to demo calculators does not create a right to continued free access to any calculator or feature.

Paid access is currently offered through a monthly subscription plan.

Current prices, billing intervals, trial terms, included features, and any applicable limitations will be displayed at checkout. Prices shown on the website or at checkout may change from time to time.

Payments are processed by Stripe or its successors. By providing a payment method, you authorize Stripe and AdvisorCalc to charge the payment method in accordance with the subscription terms presented at checkout.

You are responsible for all applicable sales, use, excise, value-added, and similar taxes, except taxes imposed on our income. Taxes may be calculated and added at checkout where applicable.

You agree to provide accurate billing information and keep your payment information current.

AdvisorCalc may offer eligible users a 14-day free trial.

A valid payment method is required to begin the trial.

Unless you cancel before the trial expires, your selected monthly paid subscription will begin automatically at the end of the 14-day trial. Your payment method will then be charged the price and applicable taxes disclosed at checkout.

By beginning a trial, you expressly authorize AdvisorCalc and Stripe to charge your payment method when the trial ends unless you cancel before that time.

Trial eligibility may be limited to new users, new accounts, or one trial per person, household, organization, payment method, or other identifying information.

We may revoke or limit a trial if we reasonably believe that a user is attempting to obtain repeated or unauthorized trials.

Subscriptions automatically renew at the end of each monthly billing period unless canceled before the renewal date.

By purchasing a subscription, you authorize us and Stripe to charge your payment method automatically at the beginning of each renewal period for:

• The then-current subscription price;
• Applicable taxes; and
• Any other charges that were clearly disclosed and authorized.

Monthly subscriptions renew for additional one-month periods.

You are responsible for reviewing your account and billing information and canceling before the applicable renewal date if you do not wish to renew.

You may cancel your subscription through the Stripe customer billing portal made available through your AdvisorCalc account.

Cancellation normally takes effect at the end of the current paid billing period. After cancellation:

• You will generally retain paid access until the end of that billing period;
• Your subscription will not renew for another billing period; and
• Your access to paid features will end when the current paid period expires.

Canceling during a free trial prevents the subscription from converting into a paid subscription, provided the cancellation is completed before the trial expires.

Deleting your AdvisorCalc account is intended to trigger immediate cancellation of any linked active Stripe subscription. Because provider processing can occasionally be delayed or require support follow-up, you should contact us if you receive a billing notice after deleting your account.

Subscription payments are nonrefundable except where required by applicable law.

Canceling a subscription does not entitle you to a prorated refund or credit for any unused portion of the current billing period.

We may issue a refund, credit, or other accommodation at our sole discretion. Any voluntary refund or accommodation in one situation does not require us to provide the same result in another situation.

Nothing in this section limits any non-waivable refund or cancellation rights available under applicable law.

If a payment cannot be completed, we or Stripe may attempt to process the payment again.

We may limit, suspend, or terminate paid access if:

• A payment is declined;
• Your payment information is invalid or expired;
• An invoice remains unpaid;
• A payment is reversed or disputed; or
• We reasonably suspect fraud or unauthorized payment activity.

You remain responsible for amounts properly incurred before suspension or termination.

We may change subscription prices, billing structures, plan features, or usage limits.

Price changes will not ordinarily affect a prepaid billing period already in progress. Unless otherwise stated, a price change will apply beginning with a later renewal period after reasonable advance notice.

You may cancel before the changed price takes effect.

We may add, remove, combine, rename, or modify subscription plans, including offering annual, team, firm, enterprise, or multi-user plans in the future. If a change materially reduces the core features of a paid plan during an active prepaid period, we will seek to provide reasonable notice where practical.

Calculator inputs may be transmitted through AdvisorCalc’s systems and application programming interfaces to server-based calculation software for the limited purpose of performing the requested calculation and returning the result.

AdvisorCalc does not intentionally save calculator inputs or calculator outputs as part of your account.

However, information may be processed transiently as necessary to operate the Service. Technical infrastructure providers may also process limited request, network, security, or diagnostic information as part of providing hosting and related services.

You should not enter into the calculators:

• Social Security numbers;
• Financial account or payment-card numbers;
• Login credentials or passwords;
• Protected health information;
• Government identification numbers;
• Highly sensitive personal information;
• Information identifying a client where anonymous or generalized inputs would be sufficient; or
• Information you do not have authority to use.

You are responsible for determining whether information entered into the Service is appropriate, lawful, and consistent with your obligations to clients and other persons.

AdvisorCalc may rely on formulas, assumptions, government publications, economic statistics, tax information, financial thresholds, actuarial information, or other information obtained from sources such as the Internal Revenue Service, Bureau of Labor Statistics, and other governmental or third-party sources.

We may update time-sensitive information manually, including annual tax figures and similar values.

Although we attempt to maintain useful and reasonably current calculators, we do not guarantee that:

• A calculator reflects the most recent law, regulation, agency guidance, tax threshold, economic data, or other information;
• All source information is accurate, complete, or current;
• Every annual or periodic update will be made by a particular date;
• A formula has been implemented without error;
• A calculator applies to a particular user, client, jurisdiction, transaction, or factual situation; or
• Results will match calculations performed by another product, professional, agency, or institution.

Laws, regulations, financial rules, tax rules, statistical information, and professional standards may change without notice.

You must independently confirm the applicable calculation year, effective date, source data, legal rules, assumptions, and outputs before relying on or communicating a result.

Use of AdvisorCalc does not create:

• A financial adviser-client relationship;
• An investment adviser-client relationship;
• A fiduciary relationship;
• An accountant-client relationship;
• An attorney-client relationship;
• A tax professional-client relationship;
• An insurance producer-client relationship; or
• Any other professional relationship between you and AdvisorCalc.

We do not review your inputs or outputs for suitability, accuracy, completeness, compliance, or professional appropriateness.

Subject to these Terms and an active subscription where required, AdvisorCalc grants you a limited, personal, revocable, nonexclusive, nontransferable, and nonsublicensable right to access and use the Service.

You may use the Service:

• For your own informational purposes;
• Within your professional practice;
• To assist you in evaluating client scenarios;
• To discuss independently verified results with your clients; and
• For other lawful internal business purposes consistent with these Terms.

This license does not transfer ownership of the Service or any intellectual-property rights.

You may not, directly or indirectly:

• Copy, reproduce, modify, distribute, publish, sell, lease, sublicense, or create derivative works from the Service;
• Scrape, crawl, harvest, index, download, or systematically extract calculators, formulas, source code, layouts, data, or content;
• Use bots, scripts, automated tools, or bulk requests to access the Service without written permission;
• Reverse engineer, decompile, disassemble, decode, or attempt to discover source code, formulas, algorithms, or underlying components;
• Use the Service or its outputs to create, train, test, benchmark, or improve a competing product or service;
• Resell, white-label, embed, frame, or commercially redistribute the Service without written permission;
• Share an individual subscription in violation of Section 4;
• Circumvent a paywall, usage restriction, authentication control, rate limit, or security measure;
• Probe, scan, or test the vulnerability of the Service without prior written authorization;
• Interfere with or disrupt the Service, servers, networks, APIs, or other users;
• Introduce malware, malicious code, or harmful material;
• Access another person’s account without authorization;
• Misrepresent the source, accuracy, purpose, or meaning of a calculator result;
• Represent that AdvisorCalc has reviewed, approved, or endorsed your advice or recommendations;
• Use the Service to engage in fraud, deception, unlawful discrimination, or other unlawful conduct;
• Violate another person’s intellectual-property, privacy, contractual, or other rights; or
• Use the Service in violation of professional or regulatory obligations.

We may impose reasonable technical limits to protect the Service and prevent abuse.

The Service—including its software, code, calculators, formulas as expressed in the software, interfaces, visual design, arrangement, text, graphics, branding, and other content—is owned by AdvisorCalc or its licensors and is protected by applicable intellectual-property laws.

“AdvisorCalc,” advisorcalc.com, associated logos, and related branding are trademarks or trade names of AdvisorCalc. No right to use those marks is granted except as necessary to identify the Service truthfully.

Except for the limited right to access and use the Service under these Terms, no rights are granted to you by implication, estoppel, or otherwise.

If you provide ideas, suggestions, corrections, feature requests, or other feedback, you grant AdvisorCalc a worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable right to use, reproduce, modify, distribute, commercialize, and otherwise exploit that feedback without restriction or compensation.

You are not required to submit feedback.

The Service depends on third-party providers, which may include:

• Vercel for website hosting or infrastructure;
• Render for application or calculation infrastructure;
• Clerk for authentication and account services;
• Stripe for payment processing and subscription management;
• PostHog for limited analytics and performance measurement;
• Better Stack for uptime monitoring and alerting;
• Sentry for staged metadata-only error monitoring and tracing when configured; and
• Other vendors used for hosting, security, communications, monitoring, or related operations.

Your use of third-party features may also be governed by the third party’s terms and privacy policies.

We do not control third-party services and are not responsible for their acts, omissions, availability, security, accuracy, or continued operation.

A third-party outage, policy change, API change, service discontinuation, or other event may affect the Service.

We may send you promotional or marketing communications where permitted by law.

You may unsubscribe from promotional emails by using the unsubscribe mechanism included in the message or by contacting admin@advisorcalc.com.

Even after opting out of marketing, we may continue sending transactional or administrative messages concerning your account, billing, subscription, security, changes to the Service, or these Terms.

We intend to make the Service reasonably available, but we do not promise any specific uptime, availability percentage, response time, processing time, or service level.

The Service may be unavailable, delayed, interrupted, or impaired because of:

• Maintenance;
• Updates;
• Technical errors;
• Internet or infrastructure failures;
• Third-party outages;
• Security events;
• Excessive demand;
• Legal or regulatory requirements;
• Events beyond our reasonable control; or
• Other operational reasons.

We may add, change, remove, suspend, or discontinue any calculator, feature, data source, subscription plan, or portion of the Service.

We may discontinue the Service as a whole. Where reasonably practical, we will attempt to provide advance notice of a material discontinuation, but we do not guarantee a particular notice period.

We may identify certain calculators or features as beta, preview, experimental, early access, or similar.

Such features may be incomplete, inaccurate, unstable, or changed or removed without notice. They are provided for evaluation and may not be suitable for client-facing or production use.

Support is available by email at admin@advisorcalc.com.

We do not promise a particular support response or resolution time.

We may prioritize requests based on severity, available resources, subscription type, and other relevant considerations.

We may limit, suspend, or terminate your access to some or all of the Service if we reasonably believe:

• You have violated these Terms;
• You have failed to pay amounts due;
• Your use creates a security, legal, operational, or reputational risk;
• You have engaged in fraud, abuse, or unlawful conduct;
• Your account is being shared or used without authorization;
• You have attempted to disrupt, copy, scrape, reverse engineer, or improperly access the Service;
• Suspension is necessary to protect another person, AdvisorCalc, or the Service; or
• Suspension is required by law, legal process, a payment provider, or another relevant authority.

Where practical, we may provide notice and an opportunity to correct a violation. We are not required to provide advance notice in urgent circumstances, including suspected fraud, security threats, unlawful conduct, or material harm.

You may stop using the Service at any time.

You may cancel a paid subscription as described in Section 9. Stopping use of the Service or deleting an account does not by itself entitle you to a refund.

You may request account deletion by contacting admin@advisorcalc.com or by using the account-deletion controls made available through the Service or its account-management provider.

When your account or subscription ends:

• Your right to access paid features ends;
• You must stop using any restricted portions of the Service;
• We may disable or delete your account subject to applicable retention requirements; and
• Provisions that by their nature should survive will remain effective.

Sections concerning payments owed, intellectual property, disclaimers, liability limitations, indemnification, disputes, and general legal terms survive termination.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”

ADVISORCALC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• TITLE;
• NON-INFRINGEMENT;
• ACCURACY;
• COMPLETENESS;
• CURRENTNESS;
• RELIABILITY;
• SECURITY;
• AVAILABILITY; AND
• RESULTS.

WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE;
• DEFECTS WILL BE CORRECTED;
• ANY CALCULATION OR OUTPUT WILL BE ACCURATE OR APPROPRIATE;
• THE SERVICE WILL MEET YOUR NEEDS OR PROFESSIONAL REQUIREMENTS;
• DATA OR CONTENT WILL NOT BE LOST;
• THIRD-PARTY INFORMATION WILL BE ACCURATE OR CURRENT; OR
• USE OF THE SERVICE WILL PRODUCE A PARTICULAR FINANCIAL, TAX, INVESTMENT, BUSINESS, OR OTHER RESULT.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS. IN THOSE JURISDICTIONS, THESE DISCLAIMERS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVISORCALC AND HOWARD JAY CRANFORD WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF:

• PROFITS;
• REVENUE;
• BUSINESS;
• OPPORTUNITY;
• GOODWILL;
• DATA;
• CLIENT RELATIONSHIPS;
• ANTICIPATED SAVINGS; OR
• PROFESSIONAL REPUTATION.

THIS LIMITATION APPLIES TO CLAIMS ARISING FROM OR RELATING TO:

• USE OF OR INABILITY TO USE THE SERVICE;
• INCORRECT INPUTS, ASSUMPTIONS, FORMULAS, DATA, OR RESULTS;
• RELIANCE ON A CALCULATION;
• ADVICE OR RECOMMENDATIONS PROVIDED BY A USER;
• CLIENT OR THIRD-PARTY CLAIMS;
• CHANGES IN LAW, TAX RULES, REGULATIONS, OR SOURCE INFORMATION;
• INTERRUPTION OR DISCONTINUATION OF THE SERVICE;
• LOSS OR UNAVAILABILITY OF INFORMATION;
• UNAUTHORIZED ACCOUNT ACCESS;
• THIRD-PARTY SERVICES; OR
• ANY OTHER MATTER RELATING TO THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF ADVISORCALC AND HOWARD JAY CRANFORD FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

• THE AMOUNT YOU PAID TO ADVISORCALC DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
• FIFTY UNITED STATES DOLLARS.

THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY, STATUTE, OR OTHERWISE, AND EVEN IF ADVISED THAT DAMAGES WERE POSSIBLE.

THE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED OR EXCLUDED.

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless AdvisorCalc and Howard Jay Cranford from claims, liabilities, damages, judgments, losses, costs, and reasonable attorneys’ fees arising out of or relating to:

• Your use or misuse of the Service;
• Your violation of these Terms;
• Your violation of applicable law or professional obligations;
• Information you enter into the Service;
• Your advice, recommendations, representations, or communications to a client or third party;
• Your reliance on or presentation of calculator results;
• Your failure to independently verify a calculation;
• Your infringement or violation of another person’s rights; or
• Use of your account by another person with your authorization or because you failed to protect your credentials.

We may control the defense of a claim subject to indemnification, and you agree to cooperate reasonably with that defense.

You may not settle a claim in a manner that admits wrongdoing by or imposes obligations on AdvisorCalc without our written consent.

Our collection, use, and disclosure of personal information are described in the AdvisorCalc Privacy Policy.

By using the Service, you acknowledge that information will be processed as described in the Privacy Policy.

The Privacy Policy is separate from these Terms and will be made available through the website.

We may update these Terms to reflect:

• Changes to the Service;
• Changes to pricing or subscriptions;
• New legal or regulatory requirements;
• Changes in our business practices;
• Security or operational needs; or
• Other legitimate reasons.

The revised Terms will state a new effective date.

For material changes, we may provide notice through the Service, by email, at login, or by another reasonable method.

Where required by law or where we determine appropriate, we may request renewed affirmative acceptance.

Your continued use of the Service after updated Terms become effective constitutes acceptance of the revised Terms, except where applicable law requires another form of consent.

You consent to receive agreements, notices, disclosures, and other communications electronically.

Electronic communications may be provided by:

• Email;
• Notices within the Service;
• Posting on advisorcalc.com; or
• Other electronic means associated with your account.

You agree that electronic records and communications satisfy legal requirements that such communications be in writing, to the extent permitted by law.

Your electronic acceptance of these Terms has the same effect as a handwritten signature.

You are responsible for maintaining a valid email address and retaining copies of communications that are important to you.

These Terms and any dispute arising out of or relating to these Terms or the Service are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles.

Mandatory protections that cannot lawfully be waived remain applicable.

Before filing a lawsuit relating to these Terms or the Service, you agree to send a written description of the dispute to admin@advisorcalc.com.

The notice should include:

• Your name;
• The email address associated with your account;
• A description of the dispute;
• The relief you are requesting; and
• Relevant supporting information.

You and AdvisorCalc agree to make a good-faith effort to resolve the dispute informally for at least 30 days after receipt of the notice.

Either party may seek urgent injunctive or equitable relief without completing this process where necessary to prevent immediate harm, unauthorized access, infringement, or misuse.

Any judicial proceeding arising out of or relating to these Terms or the Service must be brought exclusively in:

• A Louisiana state court of competent jurisdiction located in East Baton Rouge Parish, Louisiana; or
• The United States District Court with jurisdiction over East Baton Rouge Parish, Louisiana.

You consent to the personal jurisdiction and venue of those courts.

Nothing in this section prevents AdvisorCalc from seeking injunctive or equitable relief in another jurisdiction to protect its intellectual property, confidential information, systems, or security.

A failure or delay in enforcing any provision of these Terms does not waive the right to enforce that provision later.

A waiver is effective only if made in writing by the party granting it.

If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted by law.

If it cannot be enforced, it will be modified or removed to the minimum extent necessary, and the remaining provisions will remain in effect.

You may not assign or transfer these Terms, your account, or your rights under these Terms without our prior written consent.

We may assign or transfer these Terms in connection with:

• Formation of a business entity;
• Reorganization;
• Merger;
• Acquisition;
• Sale of assets;
• Financing;
• Transfer of the AdvisorCalc business; or
• Operation of the Service by an affiliated or successor entity.

AdvisorCalc is not responsible for delay or failure caused by events beyond our reasonable control, including natural disasters, severe weather, fire, flood, epidemic, pandemic, war, terrorism, civil unrest, labor disruption, utility failure, internet failure, cyberattack, governmental action, infrastructure failure, or third-party service interruption.

These Terms do not create an employment, agency, partnership, joint venture, franchise, fiduciary, or representative relationship between you and AdvisorCalc.

You have no authority to make commitments on behalf of AdvisorCalc.

These Terms, the Privacy Policy, and any additional terms expressly presented and accepted in connection with a particular feature or purchase constitute the entire agreement between you and AdvisorCalc concerning the Service.

They replace prior or contemporaneous discussions, communications, representations, or agreements concerning the same subject matter.

If additional written terms expressly agreed to by AdvisorCalc conflict with these Terms, the additional terms control only with respect to the specific subject matter they address.

Website marketing materials, frequently asked questions, and informal communications do not modify these Terms unless expressly stated in a written agreement.

Questions about these Terms or the Service may be sent to:

• AdvisorCalc
• Operated by Howard Jay Cranford
• 11959 Nicholson Drive, Apartment 17306
• Baton Rouge, Louisiana 70810
• United States
• Email: admin@advisorcalc.com
• Website: advisorcalc.com