Terms of Use

1. Acceptance of Terms

By accessing and using QuietMoneyLeaks.com ("the Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. These terms constitute a legally binding agreement between you and QuietMoneyLeaks.

2. Description of Service

QuietMoneyLeaks provides free online calculators designed to help users understand the potential long-term impact of everyday financial decisions, including subscriptions, billing choices, and investment timing. These tools are designed solely for educational and informational purposes.

Our calculators help illustrate financial concepts such as compound growth and opportunity cost. They are intended to promote financial awareness, not to provide personalized financial guidance.

3. No Financial Advice Disclaimer

THIS IS CRITICALLY IMPORTANT: QuietMoneyLeaks does NOT provide financial advice, investment advice, tax advice, or legal advice.

The calculators and content on this Site are for educational and informational purposes only. They are designed to be informational tools and, when used alone, do not constitute investment advice or recommendations.

You should:

• NOT rely solely on our calculators when making financial decisions
• Consult with a qualified, licensed financial advisor before making any investment decisions
• Consult with a qualified tax professional regarding tax implications
• Seek professional advice tailored to your specific financial situation, goals, and risk tolerance
• Review your financial strategy periodically as your circumstances change

We are not registered investment advisors, financial planners, tax advisors, or licensed professionals. Nothing on this Site should be construed as an offer, solicitation, or recommendation to buy or sell any securities or financial products.

4. Hypothetical Results & Projections

All calculator results are hypothetical projections, not predictions or guarantees.

The results displayed by our calculators represent hypothetical scenarios based on the inputs you provide and the assumptions built into our models. These projections:

• Do NOT represent actual investment performance
• Do NOT guarantee future results
• Are NOT promises of what you will earn or save
• May differ significantly from actual outcomes

Past performance does not guarantee future results. Historical market data used in our assumptions may not reflect future market conditions.

5. Calculator Assumptions & Limitations

Our calculators use simplified assumptions for educational clarity. You should understand these limitations:

Standard Assumptions:

• Investment Return Rate: We typically use 7% annual return, a conservative estimate based on historical S&P 500 data adjusted for inflation. Actual returns vary significantly year-to-year and may be higher, lower, or negative.
• Taxes: Our calculations generally do NOT account for federal, state, or local income taxes, capital gains taxes, or other tax implications. Taxes can significantly reduce actual returns.
• Fees: Our calculations generally do NOT account for investment fees, expense ratios, trading costs, or advisor fees. These costs reduce actual returns.
• Inflation: Unless otherwise stated, calculations may not fully account for the eroding effect of inflation on purchasing power.
• Compounding: We typically assume annual compounding unless otherwise noted.

Actual results will vary based on market conditions, investment choices, timing, fees, taxes, and many other factors we cannot predict or account for.

6. Investment Risk Warning

All investments carry risk, including the potential loss of principal.

• The value of investments can go down as well as up
• You may receive back less than you originally invested
• Past performance is not indicative of future results
• There is no guarantee that any investment strategy will be successful
• Market conditions, economic factors, and individual circumstances all affect investment outcomes

Our calculators show potential scenarios to illustrate concepts—they cannot predict actual market performance or your individual results.

7. Calculator Accuracy Disclaimer

While we strive for accuracy in our calculator formulas and methodology, we do not guarantee that our calculators are error-free or that results are accurate, complete, or suitable for your specific needs.

You acknowledge that:

• Calculations may contain errors or inaccuracies
• Results are approximations, not precise figures
• Formulas and assumptions may be updated without notice
• You are responsible for verifying any calculations independently

8. Limitation of Liability

QuietMoneyLeaks is provided free of charge as an educational resource. To the fullest extent permitted by applicable law, QuietMoneyLeaks and its owners, operators, and affiliates shall NOT be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Site or calculators
• Any financial decisions you make based on calculator results or content on this Site
• Investment losses, missed opportunities, or any other financial harm
• Reliance on any information provided on this Site
• Any errors, inaccuracies, or omissions in our calculators, formulas, or content
• Any interruption or cessation of the Site

You expressly acknowledge and agree that:

• Calculator results are hypothetical projections only
• You assume all risk associated with using this information
• You will not hold QuietMoneyLeaks responsible for any financial outcomes
• You are solely responsible for your financial decisions

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

9. Disclaimer of Warranties

The Site and all content, calculators, and tools are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that:

• The Site will be uninterrupted, timely, secure, or error-free
• Calculator results will be accurate, reliable, or suitable for any purpose
• Any errors will be corrected
• The Site is free of viruses or other harmful components

10. Intellectual Property

All content on QuietMoneyLeaks—including text, graphics, logos, calculator designs, code, and documentation—is the property of QuietMoneyLeaks and protected by copyright and intellectual property laws.

You may:

• Use our calculators for personal, non-commercial purposes
• Share links to our pages

You may not:

• Copy, reproduce, or republish our content without permission
• Use our calculators or content for commercial purposes without written consent
• Scrape, crawl, or use automated tools to extract data from our Site
• Use our content to train AI or machine learning models without permission
• Remove or alter any copyright or proprietary notices

11. User Responsibilities

By using QuietMoneyLeaks, you agree to:

• Use the Site lawfully and not for any illegal purpose
• Provide accurate information when using our calculators
• Independently verify all calculations before making financial decisions
• Seek professional advice appropriate to your situation
• Not attempt to interfere with the Site's operation or security
• Not use the Site in any way that could damage, disable, or impair it

12. Third-Party Links

Our Site may contain links to third-party websites or services. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for any third-party sites, their content, products, or services.

If we participate in affiliate programs in the future, we will clearly disclose such relationships. Any transactions you complete with third parties are solely between you and that party.

13. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

14. Indemnification

You agree to indemnify, defend, and hold harmless QuietMoneyLeaks, its owners, operators, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Site, violation of these Terms, or infringement of any rights of another party.

15. Changes to Terms

We reserve the right to update or modify these Terms of Use at any time without prior notice. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised terms.

We encourage you to review these Terms periodically to stay informed of any updates.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts of competent jurisdiction.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and QuietMoneyLeaks regarding your use of the Site and supersede any prior agreements.

19. Contact Us

If you have questions about these Terms of Use, please contact us.