By using this site you agree to these terms. They're written in plain English — no legalese.
By accessing and using CreativeFinanceCalc.com ("the site," "we," "our"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this site.
These terms apply to all visitors and users of the site.
This is the most important section of these terms. Please read it carefully.
Everything on CreativeFinanceCalc.com is provided for educational and informational purposes only. Nothing on this site — no calculator, no result, no written content — constitutes financial advice, investment advice, legal advice, accounting advice, or any other professional advice.
We are not a licensed financial advisor, real estate broker, attorney, CPA, or any other licensed professional. The calculators and tools on this site are educational aids to help you understand how creative finance math works. They are not substitutes for professional guidance.
Before making any real estate investment decision, you should consult with qualified professionals including a licensed real estate attorney, a CPA, and a financial advisor familiar with your specific situation.
Real estate investing involves significant financial risk, including the potential loss of your entire investment. Past performance is not a guarantee of future results.
We make every effort to ensure our calculators produce accurate results. However, we make no warranty, express or implied, that any calculator result is accurate, complete, or suitable for any particular purpose.
Calculator results are estimates based on the inputs you provide. Actual deal outcomes depend on many variables not captured by these tools — including market conditions, lender requirements, title issues, property condition, local laws, and more.
You agree to use all calculator results as estimates only and to independently verify any numbers before acting on them.
We are not liable for any losses, damages, or financial harm that result from reliance on any calculator output or information on this site.
You may use this site for personal, non-commercial educational purposes. You agree not to:
• Attempt to reverse-engineer, scrape, or copy the calculators for commercial use without permission
• Use automated tools to access or extract content from the site at scale
• Use the site in any way that violates applicable laws or regulations
• Interfere with the site's operation or security
Sharing links to this site and referencing our tools in educational content is welcome and encouraged.
The content, design, and code on CreativeFinanceCalc.com are owned by the site operator and are protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or commercially exploit any content from this site without prior written permission.
This site uses Google Analytics and Google AdSense, which are third-party services with their own terms of service and privacy policies. Your use of this site is also subject to Google's terms where those services are involved. See our Privacy Policy for more detail.
To the maximum extent permitted by law, CreativeFinanceCalc.com and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — this site or any content on it.
This includes but is not limited to losses resulting from reliance on calculator results, errors in calculations, site downtime, or any investment decisions made based on information found here.
We may update these Terms of Use at any time. Changes take effect when posted to this page. Continued use of the site after changes are posted constitutes acceptance of the updated terms. We will update the "Last updated" date at the top of this page when changes are made.
If you have questions about these terms, please reach out:
Email: rickpowell61@gmail.com
Or visit our Contact page.