Disclaimer

1. Not Professional Advice

F0X (F-Zero-X) Finance is not a licensed financial advisor, investment advisor, tax professional, or legal counselor. The calculators and information on this website:

• Should not be used as a substitute for professional advice
• Do not take into account your specific financial situation
• Cannot predict future financial outcomes with certainty
• Are not tailored to your individual needs or circumstances

2. Consult Qualified Professionals

3. Accuracy and Estimates

Our calculators provide estimates based on the information you input and the formulas we use. However:

• Results are approximations and may differ from actual outcomes
• We cannot guarantee the accuracy of any calculation
• Tax laws, interest rates, and financial regulations change frequently
• Regional and personal factors may significantly affect actual results
• User input errors can produce incorrect results

4. No Warranties

F0X (F-Zero-X) Finance provides all calculators and information "as is" without any warranties of any kind, either express or implied. We do not warrant that:

• Calculator results will be accurate or reliable
• The service will be uninterrupted or error-free
• Defects will be corrected
• Information is current or complete

5. Country-Specific Information

We provide calculators for 66 countries, each with unique:

• Tax laws and regulations
• Financial systems and products
• Currency fluctuations
• Economic conditions

While we strive to use official data sources, local regulations may change, and our calculators may not reflect the most current laws or practices in your jurisdiction.

6. Data Sources

We source data from government agencies, central banks, and reputable financial institutions. Data sources are cited on relevant pages. However, we cannot guarantee the accuracy or timeliness of third-party data and are not responsible for errors in source data.

7. Investment and Market Risks

8. Tax Disclaimer

Tax calculators provide estimates only:

• Tax laws vary by jurisdiction and change frequently
• Your actual tax liability may differ significantly
• Calculators may not include all deductions, credits, or exemptions
• State, local, and other taxes may not be fully represented
• Complex tax situations require professional tax advice

Always consult a qualified tax professional or CPA for tax advice.

9. Mortgage and Loan Disclaimer

Mortgage and loan calculators provide estimates that may not reflect:

• Actual loan terms offered by lenders
• Your credit score impact on rates
• All fees and closing costs
• PMI, HOA fees, or other required payments
• Changes in interest rates or property values

10. Limitation of Liability

F0X (F-Zero-X) Finance and its owners, employees, and affiliates shall not be liable for any financial losses, damages, or adverse outcomes resulting from:

• Use of our calculators or information
• Reliance on calculator results
• Errors, omissions, or inaccuracies in our content
• Financial decisions made based on our tools
• Third-party data or information

11. External Links

Our website may contain links to external websites for reference. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of linked websites. Use external links at your own risk.

12. Your Responsibility

By using F0X (F-Zero-X) Finance, you acknowledge and agree that:

• You are solely responsible for your financial decisions
• You will verify all information independently
• You understand the risks involved in financial planning
• You will seek professional advice before making significant financial decisions
• You accept full responsibility for outcomes of your financial choices

13. Updates and Changes

We may update calculators, formulas, and information without notice. While we strive to keep information current, we cannot guarantee that all content reflects the latest changes in laws, regulations, or financial practices.

14. Educational Purpose

F0X (F-Zero-X) Finance is designed as an educational tool to help you understand financial concepts and estimate potential outcomes. It is meant to complement, not replace, professional financial guidance.