Terms & Conditions

0 Agreement to Terms

Welcome to USFinanceCalculators.com. These Terms & Conditions (“Terms”) govern your access to and use of the USFinanceCalculators.com website, including all financial calculator tools, educational content, and related services (collectively, the “Platform”), operated by MAFHH INTERNATIONAL LTD (“Company,” “we,” “us,” or “our”).

By accessing or using USFinanceCalculators.com — whether on a desktop, mobile device, or any other platform — you confirm that you are at least 18 years of age, have read and understood these Terms in full, and agree to be legally bound by them. If you do not agree with any part of these Terms, you must discontinue use of the Platform immediately.

1 Intellectual Property Rights

Unless otherwise expressly stated, MAFHH INTERNATIONAL LTD and/or its licensors own all intellectual property rights in USFinanceCalculators.com, including but not limited to: all calculator algorithms and underlying mathematical logic, all client-side JavaScript code and software, all written content, descriptions, and educational text, all visual design elements, layout, and user interface components, all trademarks, service marks, and brand assets associated with USFinanceCalculators.com and MAFHH INTERNATIONAL LTD.

All intellectual property rights are reserved. Subject to your compliance with these Terms, MAFHH INTERNATIONAL LTD grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your own personal, non-commercial purposes only.

You Must Not:

• Republish, redistribute, or re-host any material, calculator output, or content from USFinanceCalculators.com on any other website, domain, or platform without express written consent from MAFHH INTERNATIONAL LTD
• Sell, rent, sub-license, or otherwise commercially exploit any tools, content, or materials from the Platform
• Reproduce, duplicate, copy, or reverse-engineer our proprietary JavaScript calculator algorithms or underlying code structures
• Redistribute our content, tools, or calculator logic on other platforms through framing, scraping, or any automated means
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from any materials downloaded or printed from the Platform
• Use any portion of this Platform to create or train competing products, AI models, or financial software without prior written consent

2 Acceptable Use Policy

You agree to use USFinanceCalculators.com only for lawful purposes and in a manner that does not infringe the rights of any third party, restrict or inhibit any other user’s enjoyment of the Platform, or violate any applicable local, national, or international law or regulation.

Prohibited Activities

The following activities are strictly prohibited on USFinanceCalculators.com:

• Automated scraping or data extraction: Use of bots, crawlers, spiders, or any automated means to extract, mine, or systematically retrieve data, calculator outputs, or content from this Platform without express written consent from MAFHH INTERNATIONAL LTD
• Server abuse: Attempting to overload, disrupt, or degrade the performance of our servers, databases, or infrastructure through excessive requests or denial-of-service attacks
• Security circumvention: Attempting to bypass, disable, or circumvent any security measures, access controls, or authentication mechanisms on the Platform
• Unauthorized access: Attempting to gain unauthorized access to any portion of the Platform, its underlying servers, or any connected systems or networks
• Malicious code: Uploading, transmitting, or distributing viruses, malware, ransomware, or any other malicious code through the Platform
• Misrepresentation: Using the Platform in connection with any fraudulent, deceptive, or misleading financial activity or misrepresenting the source, accuracy, or authority of calculator results
• Commercial exploitation: Using our calculator outputs, algorithms, or content for commercial lead generation, financial product distribution, or competitive market intelligence without written authorization

3 Privacy & Data Architecture

The privacy of our users is a core architectural principle of USFinanceCalculators.com — not merely a policy statement. Our platform is built on a privacy-first, client-side execution model that ensures your personal financial data never leaves your device.

How Our Calculators Handle Your Data

• Client-side execution only: All calculator logic runs entirely within your browser via JavaScript. No financial inputs are transmitted to, processed by, or stored on our servers at any point
• Zero server-side processing of inputs: Your income figures, loan amounts, tax data, account balances, credit scores, and all other financial inputs never make a network request
• No data retention: When you close your browser tab or navigate away from a calculator, your inputs are permanently cleared. We retain nothing
• No lender integration: We have no API connections, lead generation agreements, or data-sharing arrangements with any lender, insurance company, financial institution, or financial advisor
• No behavioral profiling on inputs: We do not associate your financial inputs with advertising profiles, interest segments, or any user identifier

For complete details on all data we do collect (standard website analytics and advertising cookies), please review our full Privacy Policy and Cookie Policy.

4 Third-Party Links & Advertising

Third-Party Links

USFinanceCalculators.com may contain links to external websites, government resources (such as IRS.gov, HUD.gov, or CFPB.gov), and third-party financial information sources for educational and reference purposes. These links are provided as a convenience only.

MAFHH INTERNATIONAL LTD has no control over the content, privacy practices, accuracy, or availability of any linked third-party websites. A link from USFinanceCalculators.com to an external site does not constitute an endorsement, recommendation, or guarantee of that site, its content, its products, or its services.

No Lender Referrals or Financial Partnerships

MAFHH INTERNATIONAL LTD does not earn referral fees, commissions, or any form of compensation from any lender, insurance company, financial institution, broker, or financial product provider in connection with the use of our calculators. Our tools produce estimates for planning purposes only — they are not connected to any loan application, rate quote, or financial product fulfillment process.

5 Disclaimer of Warranties & Liability

To the maximum extent permitted by applicable law, USFinanceCalculators.com and all of its calculator tools, content, and services are provided on an “as is” and “as available” basis, without warranties of any kind — either express, implied, or statutory.

Disclaimer of Implied Warranties

MAFHH INTERNATIONAL LTD expressly disclaims all warranties including, without limitation:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties of non-infringement of third-party intellectual property rights
• Warranties that the Platform will be uninterrupted, error-free, or free from viruses or harmful components
• Warranties regarding the absolute accuracy, completeness, or timeliness of calculator results
• Warranties that results produced by our calculators will be applicable to any individual’s specific financial situation

Limitation of Liability

To the fullest extent permitted by law, MAFHH INTERNATIONAL LTD, its directors, officers, employees, agents, partners, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of, or inability to use, the Platform — including but not limited to financial losses, missed investment opportunities, tax penalties, or adverse outcomes from decisions based on calculator results.

This limitation applies regardless of the legal theory on which the claim is based (contract, tort, negligence, or otherwise), even if MAFHH INTERNATIONAL LTD has been advised of the possibility of such damages.

6 Not Financial, Tax, or Legal Advice

This is one of the most important sections of these Terms. Please read it carefully.

USFinanceCalculators.com is a financial calculator platform, not a financial advisory service. Nothing on this Platform — including any calculator result, educational text, FAQ answer, explanatory copy, or linked resource — constitutes personalized financial advice, investment advice, tax advice, legal advice, or insurance advice of any kind.

What Our Calculators Are

• Mathematical estimation tools that apply standard formulas to user-entered inputs
• Educational resources designed to help users understand financial concepts and rough figures
• Planning aids to support — not replace — conversations with qualified professionals

What Our Calculators Are Not

• A substitute for personalized advice from a licensed CPA, CFP, EA, attorney, or registered investment advisor
• Guaranteed predictions of actual financial outcomes, tax liabilities, or investment returns
• A comprehensive analysis of any individual’s complete tax situation, estate, or financial plan
• Endorsed by, affiliated with, or produced on behalf of the IRS, HUD, CFPB, SEC, or any other government agency

7 Accuracy, Currency & Updates

MAFHH INTERNATIONAL LTD is committed to maintaining the accuracy of all financial data embedded in our calculators. We update our tools annually — and more frequently when significant regulatory changes occur — to reflect current IRS tax brackets, standard deduction amounts, contribution limits, federal rate changes, and other relevant financial data.

Our Data Update Commitment

• IRS tax brackets and deductions: Updated each fall following publication of the IRS Revenue Procedure for the upcoming tax year
• Retirement contribution limits: Updated following IRS annual COLA announcements (typically October/November each year)
• FHA and VA loan limits: Updated following annual HUD and VA announcements (typically December/January)
• Medicare IRMAA thresholds: Updated following CMS Annual Notice announcements
• SECURE Act and legislative changes: Incorporated within 30 days of effective date

Despite our best efforts, there may be a lag between regulatory changes and tool updates. Always verify current figures directly with the relevant government agency (IRS.gov, HUD.gov, SSA.gov, CFPB.gov) or a qualified professional before relying on any calculation for a real financial decision.

8 Indemnification

You agree to indemnify, defend, and hold harmless MAFHH INTERNATIONAL LTD, its directors, officers, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising from or relating to:

• Your violation of these Terms & Conditions
• Your use of the Platform in any manner not expressly authorized by these Terms
• Your violation of any applicable law, regulation, or third-party right in connection with your use of the Platform
• Any financial decisions made based on calculator results obtained from the Platform
• Any content you submit, post, or transmit through the Platform

9 Termination of Access

MAFHH INTERNATIONAL LTD reserves the right, at its sole discretion and without prior notice, to terminate or suspend your access to all or any part of USFinanceCalculators.com at any time for any reason, including but not limited to your breach of these Terms & Conditions.

In the event of termination, all provisions of these Terms which by their nature should survive termination shall remain in full force and effect, including without limitation: Intellectual Property Rights, Disclaimer of Warranties, Limitation of Liability, and Indemnification provisions.

10 Governing Law

These Terms & Conditions and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws applicable to MAFHH INTERNATIONAL LTD’s jurisdiction of incorporation, without regard to conflict of law principles.

To the extent permitted by law, you agree that any legal action or proceeding arising from or relating to your use of USFinanceCalculators.com shall be brought exclusively in the courts of competent jurisdiction applicable to MAFHH INTERNATIONAL LTD, and you hereby consent to the personal jurisdiction and venue of such courts.

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining provisions and shall not affect the validity and enforceability of any remaining provisions.

11 Modifications to These Terms

MAFHH INTERNATIONAL LTD reserves the right to revise, update, or replace these Terms & Conditions at any time at its sole discretion. When we make material changes, we will update the “Last Updated” date displayed at the top of this page.

Your continued use of USFinanceCalculators.com following the posting of updated Terms constitutes your acceptance of the revised Terms in full. We encourage you to review this page periodically so you are aware of any changes that affect your rights and obligations. If you do not agree to any updated Terms, you must discontinue your use of the Platform immediately.

12 Contact Us

If you have any questions, concerns, or requests relating to these Terms & Conditions, our privacy practices, a calculator accuracy issue, or any other matter, please contact us through any of the following channels:

• Email: [email protected]
• Contact Page: usfinancecalculators.com/contact-us/

We aim to respond to all inquiries within 2–3 business days. Accuracy corrections and potential IP violations are treated as priority issues and are addressed as quickly as possible.

Legal Entity: MAFHH INTERNATIONAL LTD  |  Website: usfinancecalculators.com  |  These Terms last reviewed: March 2026