Terms of Service & Regulatory Disclaimers

1. Acceptance of Terms & Independent Publisher Status

By accessing or using any calculator, embed widget, CSV export, or Chrome Extension provided by FigureQuick ("Platform"), you agree to be bound by these Terms of Service and all applicable U.S. federal and state laws. If you do not agree, do not use the Platform.

2. No Professional Fiduciary, Tax, Legal, or Medical Relationship

Your use of any calculator on this Platform does not create a fiduciary, advisory, accountant-client, attorney-client, broker-client, or physician-patient relationship. All outputs are deterministic mathematical results generated strictly from the numerical assumptions you enter.

3. Truth in Lending Act (TILA / Regulation Z), RESPA & Lending Disclaimers

In compliance with the federal Truth in Lending Act (TILA, 15 U.S.C. § 1601 et seq.; Regulation Z, 12 CFR Part 1026), the Real Estate Settlement Procedures Act (RESPA, 12 U.S.C. § 2601 et seq.), the Consumer Leasing Act (Regulation M), and state Mortgage Loan Originator (SAFE Act / NMLS) statutes:

• Not an Advertisement of Credit Terms: None of our mortgage, refinance, HELOC, FHA, VA, SBA 7(a), cap-rate, or auto loan/lease calculators constitute an offer or advertisement of credit, a Loan Estimate (LE), or a commitment to lend.
• Illustrative APR & Payment Estimates: Default interest rates, APRs, property tax rates, PMI factors, and closing cost percentages pre-populated in our calculators are illustrative national averages for convenience only. Actual APRs and monthly payments offered by third-party lenders depend on borrower credit score, debt-to-income (DTI) ratio, loan-to-value (LTV), property type, and geographic state.

4. SEC Investment Advisers Act of 1940 & FINRA Educational Notice

Under the Investment Advisers Act of 1940 (15 U.S.C. § 80b-1 et seq.) and FINRA Rules, FigureQuick qualifies under the publisher's exclusion as a provider of impersonal, general mathematical tools:

• Hypothetical compound growth, dividend yield, S&P 500 historical return, 401(k) match, Roth IRA, and 4% Safe Withdrawal Rate (FIRE) outputs are hypothetical illustrations only.
• Past market performance does not guarantee future results, and calculators do not account for inflation volatility, sequence-of-returns risk, fund expense ratios, or individual tax suitability. Consult a registered investment adviser (RIA) or CFP® professional before making investment decisions.

5. IRS Circular 230 & State Accountancy Board Disclaimer

In accordance with Treasury Department Circular No. 230 (31 CFR Part 10) and state Boards of Accountancy regulations:

• Any federal or state tax calculation—including LLC vs. S-Corp FICA savings, 1099 self-employment tax (Schedule SE), Section 199A Qualified Business Income (QBI) deduction, capital gains tax, or quarterly 1040-ES estimates—is provided solely for general informational estimation.
• S-Corporation "reasonable compensation" under IRC § 1366 and IRS audit guidelines depends on multi-factor industry, duty, and geographic comparability analyses that must be reviewed by a licensed CPA, Enrolled Agent (EA), or tax attorney prior to filing IRS Form 2553 or Form 1120-S.

6. FDA / DSHEA & Medical Practice Disclaimer

In compliance with the federal Food, Drug, and Cosmetic Act, the Dietary Supplement Health and Education Act (DSHEA), and state Medical Practice Acts:

• Our TDEE Calorie Calculator, Macronutrient Split Calculator, Body Fat / BMI Calculator, One-Rep Max (1RM) Calculator, and Hydration Calculator have not been evaluated by the U.S. Food and Drug Administration (FDA).
• These tools are not intended to diagnose, treat, cure, or prevent any disease or eating disorder. Consult a licensed physician (MD/DO) before altering caloric intake or performing maximal strength testing.

7. Construction Takeoff, Architectural & Building Code Disclaimer

All construction, concrete slab, roofing square, pitch multiplier, and flooring waste calculators provide preliminary geometry estimates only. They do not account for soil bearing capacity, frost-line footing depth, structural rebar reinforcement, wind/snow load ratings, or local municipal building codes (IRC/IBC). Always verify material orders and structural specifications with a licensed contractor or structural engineer.

8. Pro License Keys, Sponsorships & FTC Consumer Refund Policy

In compliance with the FTC Mail, Internet, or Telephone Order Merchandise Rule (16 CFR Part 435) and state consumer protection laws:

• Lifetime Pro CSV License ($19 One-Time): Grants unlimited browser-based CSV table exports across all calculators. If you are unsatisfied for any reason within 30 calendar days of purchase, request a 100% full refund through your checkout receipt.
• Sponsored Calculator Slots ($99/Month): Governed by the FTC Restore Online Shoppers' Confidence Act (ROSCA, 15 U.S.C. §§ 8401–8405). Sponsors may cancel recurring billing at any time with 1 click via their Stripe/Merchant billing portal with zero cancellation penalty.

9. Disclaimer of Warranties, Limitation of Liability & Governing Law

THE PLATFORM AND ALL 131+ CALCULATORS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, MERCHANTIBILITY, OR FITNESS FOR A PARTICULAR PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY FEDERAL AND STATE LAW, FIGUREQUICK & FIGUREQUICK SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR FINANCIAL DAMAGES ARISING FROM RELIANCE ON ANY CALCULATION OUTPUT. These Terms are governed by the laws of the United States and the State in which the publisher is domiciled, without regard to conflict-of-law principles.