Terms of use

Last updated: October 27, 2026

1. Acceptance

By using 78983.com you agree to these terms. If you don't agree, please don't use the site.

2. Educational use only

All calculators, guides and content are for general educational purposes. They are not financial, investment, tax, legal or professional advice, and results are estimates based on the assumptions you enter. Always verify with a qualified professional before making decisions.

3. No warranty

The site is provided "as is" without warranties of any kind. We work hard to keep formulas correct but do not guarantee accuracy, completeness or fitness for a particular purpose.

4. Limitation of liability

To the fullest extent permitted by law, 78983 is not liable for any loss arising from use of the site or reliance on its content.

5. Intellectual property

Site text, code, graphics and design are original works of 78983 and protected by copyright. You may share links and quote brief excerpts with attribution. Embedded third-party content remains the property of its owners.

6. User submissions

You are responsible for what you submit. Do not submit unlawful content or anyone else's personal information without permission. Contest entries are governed by the contest rules.

7. Referrals and sponsorships

We may earn referral fees or sponsorship revenue. Sponsored content is labeled and never changes calculator logic.

8. Third-party links

We are not responsible for the content or practices of external sites.

9. Changes

We may update these terms; continued use means you accept the updated terms.

10. Contact

Questions? Use our contact form.