💰 Financial Disclaimer
Important information about financial calculators on OmniCalculator.Space
📊 Estimates Only — Not Financial Advice
All financial calculators on OmniCalculator.Space provide estimates for informational purposes only. They do NOT constitute financial, tax, investment, or legal advice. Rates, terms, and regulations change frequently. Always confirm with official sources and consult qualified professionals before making financial decisions.
1. Calculators Covered by This Disclaimer
This financial disclaimer applies to all finance-related calculators on our website, including but not limited to:
2. Key Disclaimers
🚫 Not Tax Advice
Our tax calculators provide estimates only and are NOT substitutes for professional tax preparation. Tax laws are complex, change frequently, and vary by jurisdiction. Do NOT file taxes based on our calculator results. Always use official tax software (e.g., IRS Free File, TurboTax) or consult a licensed CPA or tax professional.
🚫 Not Investment Advice
Investment calculators show hypothetical projections based on assumed rates of return. Past performance does not guarantee future results. Actual investment returns may vary significantly. We do not recommend specific investments. Consult a registered investment advisor or financial planner.
⚠️ Rates May Vary
Interest rates, APRs, fees, and terms displayed in our calculators are for illustrative purposes. Actual rates depend on credit score, loan amount, term length, lender policies, and market conditions. Always obtain official quotes from lenders before making decisions.
3. Sources of Variation
Our financial calculations may differ from actual results due to:
| Factor | Impact on Results |
|---|---|
| Credit Score | Significantly affects interest rates offered by lenders |
| Market Conditions | Interest rates change daily based on economic factors |
| Lender Policies | Each institution has different underwriting criteria |
| Geographic Location | Tax rates, fees, and regulations vary by state/country |
| Loan Type | Different products have different terms and conditions |
| Additional Fees | Origination fees, closing costs, PMI not always included |
| Tax Law Changes | Brackets, deductions, credits change annually |
| Inflation | Future purchasing power differs from current values |
4. Tax Calculator Specific Warnings
📋 2025 Tax Calculators
- Based on current year tax brackets which may change
- Cannot account for all deductions, credits, and exemptions
- State and local taxes are estimated and may be inaccurate
- Do not include AMT (Alternative Minimum Tax) calculations
- Self-employment taxes are simplified estimates
- Cannot replace IRS Withholding Estimator for W-4 planning
4.1 Confirm with Official Sources
For accurate tax information, always verify with:
- IRS.gov for U.S. federal tax information
- Your state's tax agency for state-specific rules
- CRA.gc.ca for Canadian tax information
- HMRC.gov.uk for UK tax information
5. Loan & Mortgage Calculator Warnings
🏠 Mortgage Estimates Include
- Principal and interest based on inputs provided
- Estimated property tax (may differ from actual)
- Estimated homeowner's insurance (actual varies)
- PMI estimates (if applicable)
🏠 Mortgage Estimates May NOT Include
- HOA fees
- Closing costs (2-5% of loan amount)
- Prepaid items and escrow reserves
- Title insurance and attorney fees
- Points and origination fees
- Private mortgage insurance (PMI) variations
6. Investment Calculator Warnings
📈 Important Investment Disclosure
Investing involves risk, including the possible loss of principal. Our calculators use hypothetical returns for illustration only. They do not:
- Guarantee any specific investment return
- Account for inflation-adjusted real returns
- Include all investment fees and expenses
- Consider tax implications of different account types
- Reflect the volatility and unpredictability of markets
- Constitute a recommendation to buy or sell any security
7. Consult Qualified Professionals
✅ Before making major financial decisions, consult:
These professionals can consider your complete financial situation and provide personalized advice.
8. Your Responsibility
By using our financial calculators, you acknowledge that:
- Results are estimates only and may differ significantly from actual figures
- You will verify calculations with qualified professionals before acting
- You understand rates, terms, and laws change and our calculators may not reflect current information
- You will obtain official quotes from lenders, institutions, or agencies
- You take full responsibility for your financial decisions
9. Liability Waiver
OmniCalculator.Space is not liable for any financial losses, tax penalties, investment losses, or other damages arising from the use of our financial calculators. We do not establish a fiduciary, advisor-client, or professional relationship through this website.
❓ Frequently Asked Questions
📧 Contact Us
For questions about this financial disclaimer or to report issues with our calculators:
Email:
info@omnicalculator.space
📚 Official Financial Resources
- IRS.gov - Official U.S. Tax Information
- IRS Tax Withholding Estimator
- CFPB - Consumer Financial Protection Bureau
- SEC Investor.gov - Investment Education
- FINRA - Investor Resources
- CRA - Canada Revenue Agency
📚 Related Pages
- General Disclaimer - Overall website disclaimer
- Medical Disclaimer - Health calculator warnings
- Terms & Conditions - Full terms of use
- Privacy Policy - How we handle your data