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Terms of Service

Last updated: February 2026

Financial Disclaimer

We are not financial advisors. All calculations are estimates. Users should verify all rates and terms with the bank directly before signing up. Nothing on this site constitutes financial, legal, or tax advice. Always consult a licensed professional for decisions involving your money.

1. Acceptance of Terms

By accessing or using Worth It? Index("the Service", "we", "us"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

Worth It? Index provides free, interactive financial calculators for educational purposes. The Service includes savings comparisons, EV breakeven analysis, and general financial information. We also display recommendations for financial products from partner banks.

3. Not Financial Advice

The information provided by this Service is for general informational and educational purposes only. It does not constitute financial advice, investment advice, tax advice, or legal advice.

Specifically:

  • All interest rates, APYs, and savings projections are estimates based on user inputs and are not guaranteed
  • Rates shown are point-in-time and may change without notice
  • Actual returns depend on bank terms, compounding frequency, fees, and other factors not modeled here
  • EV breakeven calculations use simplified models and do not account for all ownership variables
  • Tax implications (capital gains, state taxes, EV credits) vary by jurisdiction and individual circumstances

You should always verify rates, terms, and eligibility directly with the financial institution before opening any account or making financial decisions.

4. Affiliate Relationships

Worth It? Index participates in affiliate programs with certain financial institutions. When you click a partner link and open an account, we may receive a commission at no additional cost to you.

Affiliate relationships do not influence our calculator results. The math engine operates independently of our commercial partnerships. Recommended products are selected based on publicly available rates, features, and user-region relevance.

5. Accuracy and Completeness

We make reasonable efforts to ensure the accuracy of the information on this site, but we make no warranties or guarantees regarding its completeness, accuracy, reliability, or suitability for any purpose. Information may be outdated, incomplete, or contain errors.

6. User Conduct

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable laws
  • Attempt to reverse-engineer, scrape, or automate access to the Service beyond normal usage
  • Misrepresent results from the Service as professional financial advice to others

7. Limitation of Liability

To the fullest extent permitted by law, Worth It? Index and its creators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Service, reliance on calculator outputs, or actions taken based on information presented on this site.

8. Third-Party Links

The Service contains links to third-party websites (e.g., bank account opening pages). We are not responsible for the content, privacy practices, or terms of any third-party site. Use of third-party services is at your own risk and subject to their respective terms.

9. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

11. Contact

For questions about these Terms, contact us at worth.it.app@outlook.com.