Terms of use
Last updated 2026-08-25
Acceptance
By using NumberPond you agree to these terms. If you do not agree, please do not use the site.
Educational use only
All content and calculators are provided for general educational purposes. They are not financial, mortgage, credit, tax, or legal advice, and not an offer or solicitation for any financial product. See the full disclaimer.
No warranty
The site is provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose, or uninterrupted availability. Calculator outputs are estimates based on your inputs and stated assumptions.
Limitation of liability
To the maximum extent permitted by law, Barney Global LLC, its owners and contributors are not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the site — including financial losses resulting from decisions informed by its content. Your use of the site is at your own risk.
Intellectual property
Site content, design, and code are owned by Barney Global LLC unless otherwise stated. You may read, print and share pages for personal, non-commercial use, and quote briefly with attribution and a link. You may not republish substantial portions, scrape the site at scale, or reproduce the calculators commercially without written permission.
The underlying financial formulas are standard public mathematics and are not claimed as proprietary — we publish them deliberately.
Acceptable use
Do not use the site unlawfully, attempt to disrupt or compromise it, or misrepresent its content as professional advice from a licensed party.
Third-party links
External links, mostly to government and primary-data sources, are provided for verification. We are not responsible for third-party content, and a link is not an endorsement.
Changes
We may modify these terms or the site at any time. Continued use after changes constitutes acceptance of the revised terms.
Governing law
These terms are governed by the laws of the State of Utah, United States, without regard to conflict-of-law principles.