Terms of Use

Welcome to RealTools. By accessing and utilizing any portion of this static website, you explicitly agree to comply with and be bound by the following Terms of Use. If you do not agree to these terms, please refrain from using our tools.

1. Usage of Calculations

RealTools provides free calculators and algebraic tools strictly for educational and general planning purposes. All calculations are executed client-side in your local browser and represent smoothed mathematical growth paths. None of the calculated values represent actual guaranteed investment performances, yield guarantees, or formal banking forecasts.

2. No Advisory Relationship

The tools, formulas, text, FAQs, and mathematical examples listed on this site do not constitute certified financial, investment, accounting, or legal advice. Using these calculators does not establish a professional-client advisory relationship. Consult with a qualified certified financial planner (CFP) or certified public accountant (CPA) prior to making capital allocation decisions.

3. Platform Modifications

We reserve the right to revise, update, or remove calculators or informational materials at any time without prior notification. Since this website is built as a static site, you may download and run the local HTML copies under your own discretion.

4. Intellectual Property

The visual styling, layouts, logo Wordmark, and static javascript controllers are protected under creative standards. You may use our calculation formulas freely for personal and non-commercial educational purposes.