Terms of Use

Last updated: 09/27/2026 · Written by Sadaf Azeem

These Terms of Use apply to your use of rateandreason.com ("the site"), operated by Sadaf Azeem under the name Rate and Reason. By using the site, you agree to these terms. If you do not agree, please do not use the site.

1. Use of the site

You may use the calculators and read the content for your own personal, non-commercial purposes. You agree not to:

  • copy, republish, or sell the site's written content, design, or code as your own without written permission;
  • scrape, crawl, or download the site in bulk in a way that burdens the server, other than by standard search engine crawlers;
  • attempt to break, disable, or interfere with the site's security or operation;
  • use the site for any unlawful purpose.

Short quotations with a link back to the original page are welcome.

2. Educational estimates, not advice

All calculators and articles are for education and estimation only. They are not financial, tax, legal, real estate, or insurance advice. Please read the full Disclaimer, which is part of these terms.

3. Accuracy and availability

We aim to keep rates and formulas current but do not guarantee that the site is accurate, complete, current, or available at all times. We may change, suspend, or remove any calculator or page at any time without notice.

4. Intellectual property

The site's text, calculators, code, logo, and design are owned by Rate and Reason unless otherwise noted. Government data and formulas referenced on the site belong to the public or to their respective agencies; our explanations and implementation of them are our own work.

5. Third-party links and ads

The site links to third-party websites and displays ads from third parties such as Google. We are not responsible for the content, products, services, or privacy practices of those third parties. Any dealings you have with advertisers are solely between you and them.

6. Disclaimer of warranties

The site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent allowed by law.

7. Limitation of liability

To the fullest extent allowed by law, Rate and Reason and its owner are not liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or inability to use, the site or from any decision you make based on its content or calculator results.

8. Privacy

Your use of the site is also governed by our Privacy Policy.

9. Changes to these terms

We may update these terms from time to time. The "Last updated" date shows the latest version. Continuing to use the site after changes means you accept the updated terms.

10. Governing law

These terms are governed by the laws of the United States and of the state in which the site owner resides, without regard to conflict-of-law rules, except where the law of your state of residence requires otherwise.

11. Contact

Questions about these terms: orenasara763@gmail.com.