Terms of Service

Educational use only

PlainCents publishes calculators and guides for educational purposes. Nothing on the site is personalized financial, tax, legal, accounting, or investment advice. We are not financial advisors, and using PlainCents does not create an advisor-client relationship between you and PlainCents.

For decisions that affect your money in a meaningful way — taking on debt, paying off debt, refinancing, investing, retirement planning — talk to a qualified professional who can review your full situation.

Accuracy and estimates

The calculators on PlainCents use standard finance formulas and produce estimates based on the inputs you provide. Real-world outcomes will differ because they depend on factors a calculator cannot see: your exact lender terms, fees, taxes, credit decisions, market behavior, and changes in interest rates over time.

We try to keep the site accurate and up to date, but we make no warranty — express or implied — that the content, calculations, or any information on PlainCents is complete, current, or error-free. Use the results as a starting point for your own analysis, not as the final word.

Affiliate links

PlainCents may earn a commission when you sign up for a financial product through a link on the site. Commissions do not change the math in our calculators or the analysis in our guides. Full details are on the affiliate disclosure page.

Third-party content

PlainCents links to and may reference products, services, and content offered by third parties. We are not responsible for the accuracy, availability, or content of any third-party site, and a link to a third-party resource is not an endorsement of everything on that resource. Once you leave PlainCents, the linked site's terms and privacy policy apply.

Limitation of liability

To the maximum extent permitted by law, PlainCents and its operators are not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the site, including financial loss resulting from decisions you made using calculators or guides on PlainCents.

The site is provided “as is” and “as available,” without warranties of any kind. You use it at your own risk and discretion.

Governing law

These terms are governed by the laws of the State of South Carolina, United States, without regard to its conflict-of-law principles. Any dispute arising from your use of PlainCents will be resolved in the state or federal courts located in South Carolina.

Changes to these terms

We may update these terms from time to time. When we do, we will change the “Last updated” date at the top. Continuing to use PlainCents after a change means you accept the updated terms.