Last updated: May 29, 2026
By accessing or using SavingsClub ("Website"), located at savingsclub.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Website. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and SavingsClub ("we," "us," or "our").
You must be at least 18 years of age to use this Website. By using this Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are under 18, you may only use this Website under the supervision of a parent or legal guardian who agrees to be bound by these Terms.
SavingsClub provides free online financial calculators, educational articles, product comparisons, and general financial information. Our services include but are not limited to savings calculators, budget planners, mortgage calculators, debt payoff calculators, retirement planning tools, investment calculators, and personal finance blog content. All services are provided free of charge to users.
The information, calculators, tools, and content provided on SavingsClub are for general educational and informational purposes only. Nothing on this Website constitutes professional financial advice, investment advice, tax advice, legal advice, or any other form of professional guidance. SavingsClub is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or licensed professional. Please refer to our Disclaimer for complete details.
When using our Website, you agree not to:
All content on this Website — including but not limited to text, articles, graphics, logos, icons, images, audio, video, software, calculator code, data compilations, and the overall design and layout — is the property of SavingsClub or its content creators and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may view and use our calculators and read our content for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any content from this Website without our prior written consent, except as follows:
Financial data you enter into our calculators is processed locally in your web browser. We do not transmit, store, or have access to the specific financial figures you enter into our calculators. Your calculator inputs remain private on your device. For complete information about data collection and usage, please review our Privacy Policy.
This Website contains affiliate links to third-party financial products and services. When you click on these links and take qualifying actions (such as opening an account or applying for a credit card), SavingsClub may receive compensation from the third-party provider. These affiliate relationships are fully disclosed in our Disclaimer. We are not responsible for the products, services, content, or practices of third-party websites.
THE WEBSITE AND ALL CONTENT, TOOLS, CALCULATORS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SAVINGSCLUB DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAVINGSCLUB AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE. THIS INCLUDES DAMAGES FOR LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SAVINGSCLUB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100).
You agree to indemnify, defend, and hold harmless SavingsClub and its owners, operators, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Website; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any financial decisions you make based on information obtained from this Website.
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms or the Website shall be brought exclusively in the federal or state courts located in the State of New Jersey.
SavingsClub reserves the right to modify these Terms at any time. Material changes will be indicated by updating the "Last updated" date at the top of this page. Your continued use of the Website following any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
For questions regarding these Terms of Service, please contact us at [email protected] or visit our Contact page.