Terms of Use

These Terms of Use ("Terms") govern your access to and use of https://www.smartbusinessmath.com (the "Site"), operated by Smart Business Math ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

About the Site. Smart Business Math provides free business finance calculators, explanations, examples, and related content. The Site is intended for general educational and planning purposes for freelancers, founders, and small business owners. We do not sell software subscriptions or require user accounts to use the calculators.

Not professional advice. Content on the Site—including calculators, formulas, examples, FAQs, and articles—is for general information only. It is not financial, tax, legal, investment, or accounting advice, and it is not a substitute for advice from a qualified professional who knows your situation. See our Disclaimer for more detail.

Your responsibility. You are responsible for how you use the Site and any decisions you make based on its content. Fee schedules, tax rules, and business regulations change and vary by location, provider, and plan. Verify important results with official sources, your payment processor, or a qualified advisor before acting on them.

Acceptable use. You agree not to:

• Use the Site in violation of any applicable law or regulation
• Attempt to gain unauthorized access to the Site, its servers, or related systems
• Interfere with or disrupt the Site, including through automated scraping, excessive requests, or malware
• Copy, reproduce, or redistribute substantial portions of the Site for commercial purposes without our prior written permission
• Misrepresent your affiliation with us or misuse our brand

Reasonable personal or educational use of individual calculator results is fine. Automated bulk scraping that harms site availability is not.

Intellectual property. The Site, including its design, text, branding, and original content, is owned by us or our licensors and is protected by applicable intellectual property laws. You may use the Site for its intended personal and business planning purposes. You may not remove copyright or proprietary notices, reverse engineer the Site, or create derivative works from our content except as allowed by law.

Third-party services and links. The Site may include links to third-party websites, tools, or services, and may use third-party analytics and advertising providers (such as Google and Vercel). We do not control third parties and are not responsible for their content, policies, or practices. Your use of third-party services is subject to their terms and privacy policies.

Advertising. The Site may display advertisements, including through Google AdSense. Ads may be personalized based on your browsing activity, as described in our Privacy Policy.

Disclaimer of warranties. THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT CALCULATOR RESULTS WILL BE COMPLETE OR CURRENT.

Limitation of liability. TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR OWNERS, OPERATORS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU PAID US TO USE THE SITE IN THE TWELVE MONTHS BEFORE THE CLAIM, WHICHEVER IS GREATER. BECAUSE THE SITE IS FREE, THIS WILL TYPICALLY BE US $100.

Indemnification. You agree to defend, indemnify, and hold harmless us and our owners, operators, and affiliates from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site or violation of these Terms.

Changes to the Site and Terms.We may modify, suspend, or discontinue any part of the Site at any time. We may update these Terms from time to time. The "Last updated" date will change when we do. Continued use after changes are posted constitutes acceptance of the revised Terms.

Governing law. These Terms are governed by the laws of the United States, without regard to conflict-of-law principles. You agree that any legal action or proceeding arising from these Terms or your use of the Site will be brought exclusively in the courts of the United States, and you consent to their jurisdiction.

Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.

Contact. Questions about these Terms? Email support@smartbusinessmath.com or visit our Contact page.