Terms of Service

Welcome to HeronCalc. By accessing or using heroncalc.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

Use of the Site

HeronCalc provides free financial calculators, tools, and educational content for informational purposes only. You may use the Site for personal, non-commercial purposes. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Scrape, copy, or reproduce substantial portions of the Site's content without written permission
• Attempt to interfere with the Site's operation, security, or availability
• Use automated tools to access the Site in a manner that exceeds reasonable use
• Misrepresent your identity or affiliation when interacting with the Site

Not Financial Advice

The content and tools on this Site are for informational and educational purposes only and do not constitute financial, tax, investment, or legal advice.

Calculator results are estimates based on the inputs you provide and the assumptions built into each tool. Actual results may vary based on factors including but not limited to: changes in interest rates, tax law changes, fees, inflation, market performance, and individual financial circumstances.

You should consult with a qualified financial advisor, tax professional, or other appropriate expert before making any financial decisions. HeronCalc is not a registered investment advisor, broker-dealer, or tax preparer.

Accuracy of Information

We strive to provide accurate and up-to-date information, including current interest rates sourced from the Federal Reserve Economic Data (FRED) API. However, we make no warranties or representations regarding the accuracy, completeness, or timeliness of any information on the Site.

Interest rates, tax brackets, contribution limits, and other financial data displayed on the Site may not reflect the most current figures. Always verify important financial data with official sources before making decisions.

Affiliate Links and Third-Party Content

The Site may contain affiliate links to third-party products and services. When you click these links and make a purchase or complete an action, we may earn a commission at no additional cost to you. See our Affiliate Disclosure for more details.

We are not responsible for the content, privacy practices, or terms of any third-party websites or services linked from the Site. Your use of third-party sites is at your own risk and subject to their terms.

Intellectual Property

All content on the Site — including text, calculators, code, graphics, logos, and design — is owned by HeronCalc or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.

You may share links to our pages and embed screenshots for non-commercial editorial purposes with proper attribution.

User-Submitted Content

If you submit comments, feedback, or other content to us (via email, social media, or other channels), you grant us a non-exclusive, royalty-free license to use, display, and publish that content in connection with the Site. Do not submit content that is illegal, defamatory, or infringes on others' rights.

Disclaimer of Warranties

THE SITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that calculator results will be accurate or suitable for any particular purpose.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HERONCALC AND ITS OWNERS, OPERATORS, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES RESULTING FROM RELIANCE ON CALCULATOR RESULTS OR CONTENT.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO USE THE SITE (WHICH IS ZERO, SINCE THE SITE IS FREE).

Indemnification

You agree to indemnify and hold harmless HeronCalc and its owners from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Site or violation of these Terms.

Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state of Oklahoma, without regard to its conflict of law provisions.

Contact Us

If you have questions about these Terms, please contact us at: [email protected]