Terms of use & disclaimer

1. Educational content only — not advice

All content on ClearCents, including articles, guides, and calculators, is provided for general educational and informational purposes only. Nothing on this site constitutes financial, investment, legal, tax, credit, or other professional advice, and nothing here is an offer, solicitation, or recommendation to buy, sell, or apply for any financial product or service. Your situation is unique; consult a qualified professional before making financial decisions.

2. Accuracy and currency of information

We work to keep content accurate and current, but interest rates, laws, IRS limits, lender policies, and program rules change frequently and vary by state, lender, and individual circumstances. Content may be outdated, incomplete, or inapplicable to you at the time you read it. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of any information on this site. Always verify time-sensitive figures with official sources such as IRS.gov or CFPB.gov.

3. Calculators are estimates

Calculators use simplified formulas and the inputs you provide. Results are estimates only and are not quotes, offers, preapprovals, or guarantees of any rate, payment, or outcome. Actual figures from lenders and financial institutions will differ.

4. Advertising and third parties

The site may display advertisements and may include sponsored or referral content, which will be labeled where it appears. We do not endorse, and are not responsible for, third-party products, services, or websites linked from this site.

5. Limitation of liability

To the maximum extent permitted by law, ClearCents and its operators shall not be liable for any loss or damage of any kind arising from your use of, or reliance on, this site or its content, including decisions you make based on guides or calculator results. You use this site at your own risk.

6. Intellectual property

Site content is owned by ClearCents and protected by applicable law. You may share links and brief excerpts with attribution; do not republish full articles without permission.

7. Changes

We may update these terms at any time. Continued use of the site means you accept the current version.