Effective Date: July 27, 2026
Welcome to Legit Calc (“Website,” “we,” “our,” or “us”). By accessing or using https://legitcalc.com (“Site”), you agree to comply with and be bound by these Terms & Conditions. If you do not agree with these Terms, please discontinue use of this Website.
Acceptance of Terms
By using Legit Calc, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy. These Terms apply to all visitors, users, and anyone accessing the Website.
Purpose of This Website
Legit Calc provides free online calculators, educational resources, guides, articles, and informational content covering topics including, but not limited to:
- Mortgages
- Personal finance
- Home equity
- Reverse mortgages
- Debt-to-income calculations
- Refinance analysis
- Sleep calculators
- Health calculators
- Lifestyle calculators
- General educational calculators
The information provided is intended solely for informational and educational purposes.
No Professional Advice
Nothing on this Website constitutes:
- Financial advice
- Investment advice
- Tax advice
- Legal advice
- Medical advice
- Accounting advice
- Insurance advice
- Professional lending advice
Calculator results are estimates only and should never be relied upon as the sole basis for making financial, legal, medical, or business decisions.
Always consult an appropriately licensed professional regarding your specific circumstances.
Accuracy of Information
We strive to provide accurate and up-to-date information; however, we make no warranties regarding:
- Accuracy
- Completeness
- Reliability
- Timeliness
- Suitability
- Availability
Calculations may differ from those used by:
- Banks
- Mortgage lenders
- Insurance companies
- Government agencies
- Financial institutions
- Healthcare providers
Actual results may vary.
Calculator Results
All calculators on Legit Calc generate estimated results using the information entered by users.
Results:
- Are provided “as is”
- May contain rounding differences
- May use assumptions disclosed on the calculator page
- Should not replace professional advice
Users are responsible for verifying all information before making financial or personal decisions.
User Responsibilities
You agree that you will:
- Use the Website lawfully
- Provide accurate information when using calculators
- Not attempt to interfere with Website functionality
- Not upload malicious software
- Not scrape or automate excessive requests without written permission
- Not copy substantial portions of Website content without authorization
Intellectual Property
Unless otherwise noted, all content on Legit Calc is owned by or licensed to us, including:
- Calculator code
- Articles
- Graphics
- Logos
- Branding
- Videos
- Images
- Design
- Layout
- Written content
Content is protected under applicable copyright, trademark, and intellectual property laws.
You may:
- View pages
- Print pages for personal use
- Share links to our content
You may not:
- Republish our content
- Sell our content
- Reproduce calculator code
- Copy substantial portions of articles
- Redistribute our materials without written permission
Affiliate Disclosure
Some pages may contain affiliate links.
If you purchase products or services through certain links, Legit Calc may earn a commission at no additional cost to you.
Affiliate relationships do not influence our editorial opinions or calculator functionality.
We strive to recommend products and services we believe may provide value to our users.
Third-Party Websites
This Website may contain links to third-party websites.
We do not control these external websites and are not responsible for:
- Their content
- Privacy practices
- Accuracy
- Availability
- Security
- Services
Users access third-party websites at their own risk.
Advertising
Legit Calc may display advertising from third-party advertising partners.
Advertisements do not constitute endorsements of any products, companies, or services.
No Guarantees
We do not guarantee:
- Mortgage approval
- Loan qualification
- Interest rates
- Financial outcomes
- Credit decisions
- Health improvements
- Investment performance
- Tax savings
Every individual’s circumstances are unique.
Limitation of Liability
To the fullest extent permitted by applicable law, Legit Calc and its owners, employees, affiliates, contributors, licensors, and partners shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from or related to:
- Use of this Website
- Calculator results
- Errors or omissions
- Website interruptions
- Decisions made using Website information
- Loss of profits
- Financial loss
- Business interruption
- Data loss
Your use of the Website is entirely at your own risk.
Disclaimer of Warranties
The Website is provided on an “as is” and “as available” basis.
We make no warranties, express or implied, regarding:
- Availability
- Accuracy
- Reliability
- Merchantability
- Fitness for a particular purpose
- Non-infringement
We do not warrant that the Website will always be error-free, uninterrupted, or free from viruses or harmful components.
Indemnification
You agree to indemnify and hold harmless Legit Calc, its owners, affiliates, contributors, employees, and partners from any claims, damages, liabilities, losses, costs, or expenses arising out of:
- Your use of the Website
- Violation of these Terms
- Violation of applicable laws
- Misuse of calculator results
Privacy
Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect information.
Accessibility
We strive to make Legit Calc accessible to all users and continually work to improve the accessibility and usability of the Website.
Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time.
Changes become effective immediately upon posting.
Continued use of the Website constitutes acceptance of the updated Terms.
Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the United States and the applicable laws of the State in which Legit Calc operates, without regard to conflict of law principles.
Severability
If any provision of these Terms is determined to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms & Conditions constitute the entire agreement between you and Legit Calc regarding your use of the Website and supersede any prior agreements relating to such use.
Contact Us
If you have questions regarding these Terms & Conditions, you may contact us through the contact information provided on our Website:
Legit Calc
Website: https://legitcalc.com