Terms of use
The conditions under which this site is offered.
By using Cliff & Vest you agree to these terms. If you do not agree with them, please do not use the site.
Use of the site
The site is free to use, for personal or professional purposes, with no account required. You may use the calculators to inform your own decisions, and you may share links to pages freely.
You agree not to attempt to disrupt the site or its infrastructure, to scrape it at a volume that degrades service for others, or to republish its content wholesale as your own. Quoting a passage with attribution and a link is welcome.
No advice, and no warranty
The site provides general educational information only. It does not provide tax, legal, accounting, or investment advice, and no professional relationship arises from using it. The full position is set out in the disclaimer, which forms part of these terms.
The site is provided as is and as available, without warranty of any kind, express or implied. We do not warrant that it will be uninterrupted, error-free, or that any figure it produces is accurate or applicable to your circumstances.
Limitation of liability
To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive loss or damage arising from your use of, or inability to use, the site — including any tax, interest, or penalty assessed against you, and any lost profit or opportunity.
Intellectual property
The text, design, and calculator implementations on this site are our own work and are protected by copyright. Statutory material, regulations, and IRS publications quoted or linked are works of the United States government and are not claimed by us.
Third-party content
Advertisements and links to external sites are provided by third parties. We do not control, endorse, or accept responsibility for them. Your dealings with any advertiser are solely between you and them.
Changes
The site changes continuously — calculators are added, figures are updated as tax years roll forward, and pages are corrected. These terms may be updated alongside. Continued use after a change constitutes acceptance of it.
Governing law
These terms are governed by the laws of the United States and of the state in which the site is operated, without regard to conflict-of-law principles. Nothing here limits any right you have under mandatory consumer protection law in your own jurisdiction.
Contact
Questions about these terms can be sent to hello@cliffandvest.com or through the contact page.