Disclaimer

HereSpend.com provides financial calculators, tools, and educational content to help users understand various financial concepts and make preliminary calculations. All information is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

The calculators and information on HereSpend are NOT a substitute for professional financial advice. We strongly recommend that you:

• Consult with a qualified financial advisor before making any financial decisions
• Seek professional tax advice for tax-related matters
• Consult with a licensed attorney for legal matters
• Verify all calculations independently
• Consider your individual circumstances and risk tolerance

While we strive to ensure that our calculators are accurate and up-to-date, we cannot guarantee the accuracy of the results. Factors that may affect accuracy include:

• Changes in interest rates, tax laws, and regulations
• Individual circumstances not accounted for in the calculations
• Rounding and approximation in mathematical formulas
• Market volatility and economic conditions
• Differences in calculation methodologies between institutions

Always verify calculations with your financial institution or professional advisor before making financial commitments.

Any investment information or calculations provided on HereSpend are for educational purposes only. All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results.

Before making any investment decisions, consider:

• Your financial situation and investment objectives
• Your risk tolerance and investment timeline
• The fees and expenses associated with investments
• Tax implications of investment decisions
• Diversification and asset allocation strategies

Loan calculators provide estimates based on the information you provide. Actual loan terms, interest rates, and payments may vary based on:

• Credit score and credit history
• Income and employment verification
• Debt-to-income ratio
• Lender-specific requirements and policies
• Market conditions and regulatory changes

Always obtain official quotes from lenders before making borrowing decisions.

Any tax-related calculations or information are based on general tax principles and may not apply to your specific situation. Tax laws are complex and subject to change. Always consult with a qualified tax professional for advice specific to your circumstances.

Under no circumstances shall HereSpend be liable for any direct, indirect, special, incidental, or consequential damages that result from the use of, or the inability to use, the materials on this site, even if HereSpend or a HereSpend authorized representative has been advised of the possibility of such damages.

This includes but is not limited to:

• Financial losses resulting from decisions based on our calculations
• Missed opportunities or investment losses
• Errors in financial planning or budgeting
• Incorrect loan or investment decisions

Our website may contain links to external sites that are not provided or maintained by HereSpend. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

We reserve the right to update, change, or replace any part of this disclaimer without prior notice. It is your responsibility to check this page periodically for changes. Your continued use of the website following the posting of any changes constitutes acceptance of those changes.

If you have any questions about this disclaimer, please contact us:

• Email: legal@herespend.com
• Website: Contact Form