Disclaimer

1. General Disclaimer

The information provided on MoneyMetricLab.com ("the Site") is for general informational and educational purposes only. While we endeavor to keep the information accurate and current, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, calculators, or related graphics.

Any reliance you place on such information is therefore strictly at your own risk.

2. Not Professional Advice

2.1 Not Financial Advice

The content on this Site does NOT constitute financial advice, investment advice, financial planning advice, or any other professional financial guidance. Our calculators provide estimates based on inputs you provide and general assumptions about tax law and financial principles.

2.2 Not Tax Advice

Although our content is reviewed by a Certified Public Accountant, the information on this Site is NOT tax advice for your specific situation. Our calculators are educational tools, not substitutes for personalized tax planning. Tax outcomes depend on your individual circumstances, deductions, credits, filing status, and many factors not captured in our calculators.

2.3 Not Legal Advice

Information about tax laws, regulations, or legal frameworks is provided for educational purposes only and does not constitute legal advice. Laws vary by jurisdiction and change frequently.

2.4 No Professional Relationship

Use of this Site does NOT create a CPA-client relationship, attorney-client relationship, financial advisor-client relationship, or any other professional engagement between you and MoneyMetricLab, its founders, or its team members.

3. Calculator Limitations

3.1 Estimates Only

All calculators on this Site produce estimates only. Actual results depend on:

• Your specific tax situation, deductions, and credits
• State and local tax laws not fully captured in our tools
• Recent legislative changes that may not yet be reflected
• Individual circumstances unique to your situation
• Accuracy of the inputs you provide

3.2 Garbage In, Garbage Out

Calculator outputs are only as accurate as the inputs you provide. If you enter incorrect information, the calculator will produce incorrect results. We are not responsible for errors resulting from incorrect or incomplete input data.

3.3 Tax Law Changes

Tax laws and regulations change frequently. While we update our calculators promptly when changes occur, there may be lag time between when a law changes and when our calculator reflects it. Always verify current rates against official government sources for important decisions.

3.4 Edge Cases

Our calculators are designed for typical scenarios. Unusual situations including but not limited to:

• Multi-state employment
• Complex business ownership structures
• International income
• Unusual deductions or credits
• Bankruptcy, divorce, or estate considerations

...may not be properly handled. For these situations, consult a qualified professional.

4. Affiliate Disclosure

4.1 Affiliate Relationships

MoneyMetricLab participates in affiliate marketing programs. This means we may earn commissions when you click links on our Site and make purchases or sign up for services from our partners. These commissions help fund our operations and allow us to keep our calculators free.

4.2 No Influence on Content

Affiliate relationships do not influence our editorial content. Our calculators are built and reviewed for accuracy first; affiliate partners are evaluated only after a calculator is complete. We only recommend products we'd recommend without compensation.

4.3 Specific Disclosures

When we link to or recommend a product or service from which we may earn a commission, we will:

• Clearly mark the link as an "affiliate link" or with similar disclosure
• Note any compensation arrangements at the page level
• Maintain editorial independence in our recommendations

4.4 FTC Compliance

This disclosure is intended to comply with the Federal Trade Commission's 16 CFR § 255 guidelines on testimonials and endorsements.

5. Accuracy and Updates

5.1 Best Efforts

We make reasonable efforts to ensure the accuracy of information on the Site. Our editorial process includes:

• Research from primary government sources
• Review by a Certified Public Accountant before publication
• Regular updates as tax laws change
• Transparent corrections when errors are identified

5.2 No Guarantee of Accuracy

Despite these efforts, we do NOT guarantee that all information is current, complete, or accurate at all times. Government sources should always be consulted for definitive figures.

5.3 Reporting Errors

If you find an error, please email corrections@moneymetriclab.com. We aim to verify and correct errors within 24 hours.

6. External Links

The Site contains links to third-party websites including:

• Government sources (IRS.gov, state tax authorities, SSA.gov)
• Affiliate partner sites
• Educational resources
• News articles and external references

We are NOT responsible for:

• Content of third-party websites
• Accuracy of information on linked sites
• Privacy practices of third parties
• Transactions you conduct through external links

7. AI Use Disclosure

We use AI tools to assist with content drafting, code generation, and research synthesis. However, every calculator's formulas and every page's substantive financial content is reviewed by a human Certified Public Accountant before publication. No financial guidance is published without expert human review.

For full details on our AI use, see our Editorial Standards.

8. Testimonials and Reviews

If our Site features testimonials, case studies, or success stories from users:

• Results may not be typical or representative
• Individual outcomes vary based on circumstances
• Past performance does not guarantee future results

9. Tax Year Specificity

Calculators are built for specific tax years. Always verify which tax year a calculator addresses before using it. Calculator outputs based on prior tax years should not be used for current tax planning.

10. Jurisdictional Limitations

Our calculators primarily address United States federal tax law and select state tax laws. They are not designed for:

• Non-U.S. tax situations
• Expatriate tax considerations
• Foreign tax credit calculations
• State or local taxes outside our covered jurisdictions

11. Liability Limitation

By using this Site, you acknowledge and agree:

• MoneyMetricLab is not liable for financial decisions you make based on Site content
• You are responsible for verifying calculator outputs before relying on them
• You should consult qualified professionals for significant financial decisions
• Tax penalties, interest, or assessments resulting from incorrect calculations are your responsibility

For full liability terms, see our Terms of Service.

12. Forward-Looking Statements

Some content may include forward-looking projections, retirement calculations, investment growth estimates, or similar projections. These are based on assumptions that may not prove accurate. Actual results may vary significantly from projections.

13. No Endorsement

References to specific products, services, companies, or financial institutions on this Site are for informational purposes only and do not constitute endorsements unless explicitly stated.

14. User Responsibility

By using MoneyMetricLab, you acknowledge that:

• You will independently verify important figures before acting on them
• You will consult qualified professionals for significant financial decisions
• You understand calculator outputs are estimates, not guarantees
• You take full responsibility for your financial decisions

15. Updates to Disclaimer

We may update this Disclaimer periodically. The "Last Updated" date reflects the most recent revision. Your continued use of the Site after changes constitutes acceptance of the updated Disclaimer.

16. Contact Us

Questions about this Disclaimer? Contact us: