1. General Information Only
The calculators, converters, charts, schedules, projections, and other outputs made available through truevaluecalc.com (the “Site”) are provided for general informational and educational purposes. All results are estimates generated from the inputs you supply and from generalized formulas and assumptions, and each tool states the assumptions it applies. Nothing on the Site is intended to be, or should be construed as, a substitute for professional advice tailored to your individual circumstances.
2. No Financial, Tax, Investment, or Lending Advice
The Site provides borrowing, tax, income, debt, retirement, investment, and currency calculators for general informational and educational purposes — mortgage and loan tools, tax and paycheck estimates, debt repayment models, retirement and investment projections, and similar.
The calculations and information produced by these tools do not constitute financial, investment, tax, accounting, insurance, or mortgage-lending advice. They do not represent an offer to lend, an offer or recommendation to buy or sell securities, or a professional tax opinion.
Actual interest rates, fees, eligibility requirements, investment returns, tax obligations, and other outcomes depend on your individual circumstances, applicable law, market conditions, and the policies of lenders, financial institutions, government authorities, and other providers, and they change over time. For significant financial decisions, consider consulting an appropriately qualified financial, tax, accounting, or lending professional.
3. No Medical or Health Advice
The Site's health, fitness, nutrition, and reproductive-health tools — body composition, energy and calorie estimates, hydration, and cycle-related calculators among them — are not medical devices and do not provide diagnosis, treatment, or medical advice. They apply published general-population formulas and cannot account for your medical history, medication, or clinical context. They must not be used as a substitute for the guidance of a qualified physician, dietitian, or other licensed healthcare professional. Seek the advice of a licensed provider before making decisions that affect your health, nutrition, exercise, or pregnancy.
4. No Legal or Professional Advice
Any tool touching on trademarks, business costs, remediation, or similar matters is provided for general reference only and does not constitute legal, regulatory, engineering, or other professional advice. Consult a qualified professional in the relevant field before acting.
5. Accuracy and Currency of Information
Where applicable, certain calculators use or reference published data, limits, rates, or formulas from recognized sources — for example IRS tax brackets and contribution limits, FHFA conforming loan limits, Freddie Mac mortgage-rate averages, Bureau of Labor Statistics inflation figures, and established clinical equations. Where a tool depends on a figure that changes, the page names the source and the period the figure applies to.
We make no warranty or representation that any figure, rate, limit, formula, or result is current, accurate, complete, or error-free at any given moment, and a published figure may be superseded by its issuing body before this Site reflects the change. You are responsible for independently verifying any number before relying on it. Our methodology page describes how sources are selected, how results are checked, and what our update dates do and do not mean.
6. No Warranty; Use at Your Own Risk
The Site and all Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. You use the Site and rely on its results entirely at your own risk. To the fullest extent permitted by law, True Value Calc disclaims all liability for any loss or damage — including financial loss, lost profits, or adverse health or legal outcomes — arising out of or in connection with your use of, or reliance on, the Site or any of its results. This section is subject to, and further described in, our Terms of Use.
7. Third-Party Advertising and Links
The Site may display advertisements and may contain links to third-party websites and resources. True Value Calc does not control and is not responsible for the content, products, services, accuracy, or privacy practices of any advertiser or third-party site. The appearance of any advertisement or link does not constitute an endorsement. Advertising providers may change over time; our Privacy Policy describes the advertising and analytics technologies currently in use and how cookies and data are handled.
8. External Results May Differ
Because our tools rely on the assumptions and inputs described on each page, your actual results — as determined by a lender, tax authority, medical professional, or other third party — may differ, sometimes significantly, from the estimates shown here.
9. Changes to This Disclaimer
We may update this Disclaimer from time to time. Any changes will be posted on this page with a revised “Last Updated” date, and your continued use of the Site constitutes acceptance of the updated Disclaimer.
10. Research Articles
Research articles published on TrueValueCalc are original, literature-based reviews provided solely for educational and informational purposes. They are theoretical and analytical in nature and do not constitute medical, financial, legal, scientific, technical, professional, or other specialized advice or recommendations. Any models, calculations, examples, interpretations, or conclusions are illustrative and not intended for direct practical application.
TrueValueCalc and its respective authors have no intention to reproduce, republish, or claim ownership of referenced third-party material. Third-party studies, publications, data, quotations, names, trademarks, and other intellectual property remain the property of their respective owners. Such material is referenced solely as literature for research, scholarship, analysis, criticism, commentary, and education, with reasonable efforts made to provide appropriate attribution and comply with applicable copyright law.
The original writing, analysis, organization, interpretation, models, and presentation created for TrueValueCalc remain protected by applicable intellectual-property laws. While reasonable efforts are made to ensure accuracy and appropriate sourcing, no guarantee is made regarding completeness, accuracy, currency, or suitability for any particular purpose. To the maximum extent permitted by applicable law, TrueValueCalc and its respective authors disclaim liability arising from reliance upon or use of information presented in these research articles.
11. Contact
If you have any questions about this Disclaimer, please reach us through the True Value Calc contact page.