Financial & General Disclaimer

1. Calculator results are estimates

IQlator calculator results depend on the values, assumptions and formulas used. Results are estimates and may be rounded. Actual payments, balances, interest, taxes, fees, investment performance or other outcomes may differ.

2. No financial, investment, tax or legal advice

Nothing on IQlator constitutes individualized financial, investment, tax, accounting, legal, insurance or lending advice. IQlator does not act as your financial adviser, investment adviser, broker, lender, tax professional or attorney. Consider consulting an appropriately qualified professional when a decision requires personalized advice.

3. Loans, mortgages and affordability

Mortgage, auto-loan, personal-loan, payoff and affordability calculations are illustrations only. A calculator result is not a loan offer, approval, prequalification, credit decision or guarantee of a rate. Actual lender terms can depend on credit, income, debt, collateral, property information, taxes, insurance, fees and other underwriting factors.

4. Investment and compound-growth projections

Investment and compound-interest calculations are hypothetical illustrations. Entered or displayed rates of return are not promises or predictions. Investments can gain or lose value, and actual results can differ substantially because of market conditions, fees, taxes, inflation, timing and other factors. Past performance does not guarantee future results.

5. Market, economic and exchange-rate information

IQlator may display economic indicators, mortgage-rate benchmarks, market information, stock-price information or currency exchange rates obtained from third-party sources. Such information may be delayed, revised, incomplete or unavailable. It should not be treated as a real-time trading quote or as the final rate available from a bank, broker, lender, card issuer or money-transfer provider.

6. Accuracy and availability

IQlator aims to provide useful calculations and explanations, but does not guarantee that every formula, result, data point, page or service will always be accurate, complete, current, uninterrupted or error-free. Users should independently verify important figures before making financial or contractual decisions.

7. Third-party websites and services

IQlator may link to third-party websites, advertisers, financial institutions, data providers or other services. A link does not by itself mean IQlator endorses or guarantees the third party, its products, rates, terms, availability, privacy practices or information. Third-party services are governed by their own terms and policies.

8. Advertising and potential affiliate relationships

IQlator may display advertising. If IQlator later uses affiliate or referral relationships, sponsored placements, or receives compensation when a user follows a link or completes an action, applicable material relationships will be disclosed clearly near the relevant recommendation, offer or link. Compensation will not turn a calculator estimate into a financial recommendation or guarantee.

9. No professional-client relationship

Using IQlator, entering values into a calculator, reading educational material, or contacting support does not create an adviser-client, broker-client, lender-borrower, attorney-client, accountant-client or other professional relationship.

10. User responsibility

You are responsible for deciding whether a calculator or data point is appropriate for your situation and for verifying information used in important decisions. Do not rely solely on IQlator when entering into a loan, investment, purchase, sale, transfer, tax filing or other financial commitment.

11. Limitation of informational purpose

Examples on IQlator are illustrative. References to particular rates, dollar amounts, securities, currencies, products or scenarios are not recommendations to buy, sell, borrow, invest or take any specific action.

12. Contact and corrections

If you believe a calculator, explanation or displayed data point is incorrect, please use the Contact page or email support@iqlator.com. Also review IQlator's Privacy Policy and Terms.