Terms of Use.

By using Eerns, you agree to these Terms of Use and the Privacy Policy. If you do not agree with these terms, please do not use the website.

Eerns provides financial calculators, tax planning calculators, savings tools, debt payoff tools, mortgage calculators, scenario calculators, embed tools, and plain-language guides. The website is intended for general educational, informational, and planning purposes.

Eerns does not currently provide public user accounts, a public contact form, or a public support portal. The site is currently focused on public calculator pages, guides, and embed tools. If those features are added later, these terms may be updated.

The calculators and planning tools provide estimates only. Results may not match every financial, tax, legal, accounting, investment, credit, mortgage, paycheck, debt, business, or household situation.

You are responsible for checking inputs, assumptions, formulas, rates, dates, and results before relying on any estimate. Small changes in entered values can create large differences in results.

Eerns does not provide financial advice, tax advice, legal advice, accounting advice, investment advice, mortgage advice, credit counseling, or any other professional service. Using Eerns does not create a professional, advisory, fiduciary, accountant-client, attorney-client, tax preparer-client, or financial planner-client relationship.

Before making financial, tax, legal, accounting, investment, credit, mortgage, business, or other important decisions, you should review your specific facts with a qualified professional.

You may use Eerns for normal personal planning, educational research, household estimates, business planning conversations, and general website browsing. You agree not to misuse the website, interfere with its operation, scrape or copy large amounts of content, attempt unauthorized access, or use the site in a way that violates applicable laws or harms others.

Eerns provides embed pages and an embed builder so calculators can be displayed on other websites. You may use the provided embed code for normal website embedding as long as the calculator is not altered, hidden, misrepresented, used in a misleading way, or presented as personalized professional advice.

Embedding an Eerns calculator does not mean Eerns endorses the website where it appears, and it does not create a professional relationship between Eerns and that website's visitors. Eerns may update, change, limit, or remove embed features at any time.

The Eerns name, design, layout, text, calculators, guides, code, graphics, and other website materials are owned by Eerns or used with permission, unless otherwise stated. You may not copy, republish, sell, or redistribute website content as your own without permission. You may link to Eerns pages and use the site for normal personal planning purposes.

Eerns may include third-party links, advertisements, sponsored placements, or affiliate links. Eerns is not responsible for third-party websites, products, services, pricing, availability, policies, or claims. If you click a third-party link, the terms and privacy policy of that third-party website apply.

Eerns may update, remove, redesign, or discontinue calculators, guides, embeds, images, features, or pages at any time. The website may not always be available, error-free, secure, accurate, or uninterrupted.

Eerns is provided on an "as is" and "as available" basis. Eerns does not make warranties about the accuracy, completeness, reliability, timeliness, or suitability of the website, calculators, guides, estimates, embeds, recommendations, or third-party content.

To the fullest extent allowed by law, Eerns is not responsible for losses, damages, expenses, missed payments, penalties, tax outcomes, financial decisions, investment results, credit decisions, mortgage decisions, business decisions, lost profits, data issues, or other problems that may result from using the website, calculators, guides, embeds, third-party links, or advertisements.

Eerns may update these Terms of Use as the website changes. The updated date at the top of the page will show when the terms were last revised. Continued use of the website after changes means you accept the updated terms.