Disclaimer

1. General Disclaimer

All calculators, tools, articles, and content on luminth.com (the "Site") are provided for informational and educational purposes only. The results, figures, and outputs generated by our tools are estimates based solely on the values you enter and the simplified models we use. They do not account for every factor relevant to your individual circumstances.

Nothing on this Site constitutes, or should be construed as, financial, investment, tax, legal, insurance, medical, or any other form of professional advice. Luminth is not a licensed financial adviser, attorney, accountant, insurance broker, or healthcare provider.

Always consult a qualified professional before making any financial, legal, tax, insurance, or health decisions. Your situation is unique, and no calculator can substitute for personalised professional guidance.

2. No Guarantee of Accuracy or Completeness

While we strive to keep our tools up to date with current rates, tax brackets, statutory limits, and state-level rules, we make no representations or warranties — express or implied — as to the accuracy, completeness, reliability, suitability, or availability of any information, calculation, or related content on this Site.

Laws, regulations, tax rates, insurance premiums, interest rates, and court-award averages change frequently. Information may become outdated between updates. You should independently verify any figures before relying on them.

3. Financial & Loan Calculators

Our loan and financial tools — including the Mortgage Calculator, Car Loan Calculator, Student Loan Calculator, HELOC Calculator, Mortgage Refinance Calculator, Debt Consolidation Calculator, and Personal Loan Calculator — produce illustrative payment and interest estimates only. Actual loan terms, rates, fees, and approval are determined solely by your lender.

• Results do not represent a loan offer, pre-qualification, or commitment to lend.
• Rates change daily; figures may not reflect the rate available to you at closing.
• Amortization schedules are simplified models and may differ from your lender's official schedule.
• Consult a licensed mortgage broker, loan officer, or financial adviser before borrowing.

4. Investing & Retirement Calculators

Our investing tools — including the Interest Calculator, CD Calculator, Retirement Planner, Annuity Calculator, 401(k) Calculator, Roth IRA Calculator, Dividend Calculator, and Rental Property Calculator — project outcomes based on assumed constant rates of return, contribution amounts, and time horizons.

• Past performance and assumed rates of return are not guarantees of future results.
• Actual investment returns fluctuate and can be negative. You may lose money.
• Projections do not account for inflation, market volatility, fees, or early withdrawal penalties unless explicitly stated.
• Contribution limits and income phase-out thresholds are updated annually by the IRS; always verify current limits at irs.gov.
• Nothing here is a recommendation to buy or sell any security or investment product. Consult a registered investment adviser.

5. Tax Calculators

Our tax tools — including the Salary Calculator, Tax Refund Calculator, Capital Gains Tax Calculator, Hourly Paycheck Calculator, Bonus Tax Calculator, Property Tax Calculator, and Self-Employment Tax Calculator — apply simplified federal and state tax models based on publicly available bracket and rate information.

• Results are estimates only and do not constitute tax advice.
• Your actual tax liability depends on deductions, credits, filing status, and other factors not captured by these tools.
• State tax rules vary widely and change each year; local taxes are generally not included.
• Do not use these estimates to file your taxes. Consult a Certified Public Accountant (CPA) or Enrolled Agent for tax preparation and advice.
• The IRS is the authoritative source for tax law: irs.gov.

6. Legal Settlement Calculators

Our legal tools — including the Car Accident Settlement Calculator, Wrongful Death Settlement Calculator, Personal Injury Calculator, Truck Accident Settlement Calculator, Child Support Calculator, Divorce Settlement Calculator, Medical Malpractice Settlement Calculator, Wrongful Termination Settlement Calculator, Motorcycle Accident Settlement Calculator, and Slip and Fall Settlement Calculator — are based on general settlement averages, statutory formulas, and illustrative multiplier methods.

• No attorney-client relationship is formed by using this Site.
• Estimates should not be used as a basis for accepting or rejecting a settlement offer.
• Child support and divorce calculations vary by state and are subject to court discretion; these tools do not replace a family law attorney or court order.
• Statutes of limitations apply to personal injury claims; consult an attorney promptly after an incident.

7. Insurance Calculators

Our insurance tools — including the Life Insurance Calculator, Car Insurance Calculator, Health Insurance Calculator, Home Insurance Calculator, Renters Insurance Calculator, Workers' Compensation Calculator, Long-Term Care Insurance Calculator, and Disability Insurance Calculator — generate rough premium and coverage estimates only.

• Actual premiums are determined by licensed insurers based on underwriting, health exams, credit checks, claims history, and many other factors.
• These tools are not insurance quotes and do not bind coverage.
• ACA Premium Tax Credit estimates are based on publicly available subsidy tables; actual credits are determined at tax filing.
• Workers' compensation benefits are governed by state law and may differ materially from estimates shown.
• Consult a licensed insurance broker or agent for actual quotes and coverage recommendations.

8. Health Calculators

Our health tools — including the BMI Calculator, Calorie Deficit Calculator, and Macro Calculator — are intended for general wellness awareness only. They use population-level formulas such as Mifflin-St Jeor and standard BMI classifications.

• Do not make significant dietary or exercise changes without consulting a qualified healthcare provider or registered dietitian.
• These tools are not intended to diagnose, treat, cure, or prevent any disease or health condition.
• If you have a medical concern, seek advice from a licensed physician or healthcare professional.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Luminth, its owners, operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of, or inability to use, any calculator, tool, or content on this Site — including but not limited to financial losses, investment losses, tax penalties, legal judgments, insurance gaps, or health outcomes.

Your use of this Site is at your sole risk. You assume full responsibility for any decisions made in reliance on the information or estimates provided here.

10. External Links & Third-Party Content

This Site may link to third-party websites for reference purposes. Luminth does not endorse, control, or assume responsibility for the accuracy or content of any linked sites. Links are provided for convenience only.

11. Changes to This Disclaimer

We reserve the right to update or modify this Disclaimer at any time. Changes will be reflected by updating the "Last updated" date above. Continued use of the Site after any changes constitutes your acceptance of the revised Disclaimer.

12. Contact Us

If you have questions about this Disclaimer or believe any content on the Site is inaccurate, please contact us:

[email protected]

See also: Privacy Policy · Terms of Service