Terms of Use

Effective Date: October 1, 2025

1. Agreement to Terms

By accessing or using the InsuranceSmartCalculator website and its services, tools, and information (collectively, the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you disagree with any part of the terms, you must not access the Service.

2. IMPORTANT DISCLAIMER: For Educational and Informational Purposes Only

The entire content and functionality of the Service, including but not limited to all articles, tips, news, and the outputs of our "Smart Calculator Apps," are provided for educational, informational, and illustrative purposes only.

Not Financial, Legal, or Professional Advice: The Service is not, and shall not be understood or construed as, financial, insurance, investment, legal, or tax advice. The information provided is general in nature and is not a substitute for advice from a qualified and licensed professional who can assess your individual circumstances.
No Professional-Client Relationship: Your use of the Service does not establish any form of professional-client, fiduciary, or advisory relationship between you and InsuranceSmartCalculator.

3. User's Responsibility and Assumption of Risk

You explicitly acknowledge and agree that you are using the Service at your own risk. Any decision you make based on information obtained from the Service is your sole responsibility. You agree that InsuranceSmartCalculator shall not be held liable for any loss or damage that may result from your use of the Service.