1. General Usage Terms
By using the calculators, checklist engines, and comparison matrices on SmartSpend, you agree to these terms. All features are provided for informational and educational simulation purposes.
"Honesty is the first chapter in the book of wisdom."
Thomas Jefferson
To maintain absolute regulatory transparency, we build our simulation tools according to the disclosure guidelines of the SEC (Securities and Exchange Commission) and FINRA. These disclaimers outline that all budget outputs, mortgage interest schedules, and debt comparisons are illustrative, educational models rather than professional advisory, tax, or legal mandates. Users are encouraged to verify calculations with qualified fiduciaries before executing transactions.
2. Financial Advisory Disclaimer
SmartSpend is not a licensed financial advisory institution, broker, or lending agency. All calculations, budget splits, annual cost savings, and payoff timelines represent estimates. Verify key terms with registered advisors before finalizing choices.
3. Third-Party Referral Links
Certain sections contain partner links to HYSAs and credit cards. We are not responsible for policies, rates, and transaction actions executed on secondary bank partner platforms.
4. Public Data Usage & Reference Sources
The US Financial Benchmarks & Trends calculator compares user data against public statistics provided by US Government agencies. These references include the Federal Reserve Board (Survey of Consumer Finances), the Federal Reserve Bank of New York (Quarterly Report on Household Debt and Credit), the Federal Reserve Bank of St. Louis (FRED database), and the US Department of Education. This data is compiled from public directories and is presented for simulation purposes without active affiliation or endorsement by the respective US government departments. You may download or copy these comparisons for personal records.