Terms of Use

By using Wallet Sprouts, you're agreeing to these terms. If you don't agree with them, the simplest option is to not use the site. There's no account to cancel and nothing to sign up for, so stopping is as easy as closing the tab.

Wallet Sprouts is operated by Josue Caballero Sanchez. These terms may be updated from time to time; continued use of the site after a change means you accept the updated version.

Wallet Sprouts provides free, browser-based financial calculators for informational and educational purposes, mortgage payments, auto loans, compound interest, savings projections, and similar tools.

Wallet Sprouts is not a bank, lender, broker, financial advisory firm, or credit union. It doesn't originate loans, hold deposits, manage investments, or connect you with financial institutions. It's a set of math tools, and nothing about using them creates a financial or advisory relationship between you and the person operating this site.

Nothing on Wallet Sprouts constitutes financial, legal, tax, or investment advice. The calculators are educational tools meant to help you understand how numbers relate to each other. They are not a substitute for advice from a licensed financial advisor, accountant, attorney, or other qualified professional who knows your full situation.

Decisions about mortgages, loans, investments, or savings should be made with the guidance of a qualified professional, using your actual financial details, not solely on the basis of a calculator result from this or any website.

Every calculator on this site uses standard, publicly documented financial formulas. That said:

• Default values (like tax rates, insurance costs, or interest rate assumptions) are estimates and may not reflect your actual costs, location, or credit profile.
• Calculators may not account for every fee, tax, or condition that applies to your specific situation.
• Results are estimates only and are not a guarantee of the rate, payment, or return you'll actually receive from any lender, bank, or investment.
• User input errors: a calculator is only as accurate as the numbers entered into it.

You're responsible for independently verifying any number before making a financial decision based on it.

The design, code, text, and branding of Wallet Sprouts is the property of Josue Caballero Sanchez unless otherwise noted. You're welcome to use the calculators for personal purposes, but you may not copy, republish, redistribute, or build a competing product from this site's content or code without permission.

When using Wallet Sprouts, please don't:

• Attempt to scrape, copy, or systematically extract the site's content at scale.
• Attempt to disrupt, overload, or interfere with the site's normal operation.
• Use any contact form or communication channel on this site to send spam, malware, or unlawful content.
• Misrepresent your affiliation with Wallet Sprouts or use its name or branding without permission.

Wallet Sprouts may link to other websites for educational context or as suggested next steps. Those sites are operated independently, and Wallet Sprouts isn't responsible for their content, accuracy, or privacy practices. Visiting a linked site is at your own discretion.

Wallet Sprouts is provided "as is" and "as available," without warranties of any kind, express or implied — including, without limitation, warranties of accuracy, reliability, or fitness for a particular purpose. There's no guarantee the site will be available at all times, free of errors, or uninterrupted.

To the fullest extent permitted by law, Wallet Sprouts and its operator are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the site or reliance on any calculator result, including financial decisions made based on that information. Use of this site is at your own risk.

These terms may be updated occasionally to reflect changes to the site. The "last updated" date at the top of this page reflects the most recent version. It's worth checking back if you have concerns about a specific provision.

These terms are governed by the laws of AZ, United States, without regard to its conflict-of-law principles. Any disputes will be handled in the courts of that jurisdiction.

Questions about these terms can be sent to contact@walletsprouts.comor go to the Contact page.