Disclaimer
Last Updated: August 8, 2026
This Disclaimer applies to all content published on ClearCents (the "Site"), including articles, calculators, comparison tables, and any other material we publish. Please read it carefully before relying on anything you find here.
Not Professional Advice
The content on ClearCents is provided for general informational and educational purposes only. Nothing on this Site constitutes financial, legal, tax, accounting, medical, or insurance advice, and nothing here should be interpreted as a personalized recommendation to buy, sell, hold, or avoid any specific financial product, security, or insurance policy.
Every reader's financial situation, goals, and risk tolerance are different. Before making any significant financial or insurance decision, consult a qualified, licensed professional — such as a Certified Financial Planner (CFP), licensed insurance agent, attorney, or tax professional — who can evaluate your specific circumstances. See also our Terms of Service, Section 2.
Accuracy and Currency of Information
We make reasonable efforts to keep our content accurate and up to date, following the research and sourcing standards described in our Editorial Process. However:
- Interest rates, fees, program terms, tax thresholds, and eligibility rules referenced in our articles change frequently and can vary by state, lender, or provider.
- We cannot guarantee that any specific figure, rate, or program detail is current at the moment you read it.
- Product comparisons reflect our research at the time of publication or last update and may not reflect subsequent changes made by the provider.
Always verify time-sensitive details directly with the official source — such as IRS.gov, SSA.gov, your state's Department of Insurance, or the financial institution itself — before making a decision based on anything published here.
No Guarantee of Results
Any examples, calculations, or illustrations on this Site — including outputs from our free calculators — are for educational purposes only. They rely on assumptions (such as interest rates or timeframes) that you provide or that we've selected as reasonable defaults, and actual results will vary based on your specific circumstances, market conditions, and factors outside our control. Past performance of any investment, strategy, or financial product is not indicative of future results.
Third-Party Links and Services
ClearCents may link to third-party websites, tools, products, or services for your convenience. We do not control and are not responsible for the accuracy, content, availability, or privacy practices of any third-party site. Inclusion of a link does not imply our endorsement of that third party, its products, or its services, except where we explicitly say so. See our Advertiser Disclosure for how affiliate and advertising relationships work on this Site.
"As Is" Content
All content on this Site is provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose. Your use of this Site, and any action you take based on its content, is entirely at your own risk. See our full Terms of Service for the complete disclaimer of warranties and limitation of liability.
Calculators and Tools
The free calculators on ClearCents (including our budget, debt payoff, savings, compound interest, net worth, mortgage affordability, and auto loan calculators) perform standard mathematical calculations based on the numbers you enter. They do not access your financial accounts, do not save or transmit your data, and are not a substitute for a formal quote, pre-approval, or personalized financial plan from a licensed professional or institution.
Changes to This Disclaimer
We may update this Disclaimer from time to time. The "Last Updated" date at the top of this page reflects the most recent revision.
Contact Us
Questions about this Disclaimer can be sent through our Contact page or to clearcentscontact@gmail.com.