Terms of Service

Agreement to Terms

By accessing or using SettlementCalculator.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you may not access the Site.

Description of Service

SettlementCalculator provides free, interactive online calculators and educational content related to settlement valuations, insurance, and financial planning. Our tools are designed to provide general estimates and educational information.

No Legal or Financial Advice

IMPORTANT: The information and tools provided on this Site do not constitute legal advice, financial advice, tax advice, or any other professional advice. Calculator results are estimates based on general industry formulas and publicly available data. They should not be relied upon as a substitute for professional consultation.

We strongly recommend consulting with a qualified attorney, financial advisor, or tax professional for guidance specific to your individual situation. No attorney-client relationship is created through the use of this Site.

Accuracy and Limitations

While we strive for accuracy, we make no guarantees that calculator results reflect the actual value of any legal claim, insurance policy, or financial obligation. Actual outcomes depend on numerous case-specific factors beyond the scope of our tools, including but not limited to:

• Individual case facts and evidence
• Applicable state and local laws
• Insurance policy terms and limits
• Negotiation dynamics and litigation risk
• Changes in law, regulation, or policy

Intellectual Property

The Site and its original content, features, and functionality are owned by SettlementCalculator and are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works based on our content without prior written consent.

User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Site's functionality
• Scrape, crawl, or otherwise extract data from the Site in an automated manner beyond standard search engine indexing
• Impersonate any person or entity

Third-Party Links

Our Site may contain links to third-party websites (government agencies, legal resources, external references). These links are provided for convenience and informational purposes only. We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party websites.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SETTLEMENTCALCULATOR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO DAMAGES FROM RELIANCE ON CALCULATOR RESULTS OR EDUCATIONAL CONTENT.

Indemnification

You agree to indemnify, defend, and hold harmless SettlementCalculator and its affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of the Site or violation of these Terms.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Contact

For questions about these Terms, contact us at [email protected] or visit our Contact page.