Last updated: March 15, 2026
By accessing or using luminth.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to update these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.
Luminth provides free, browser-based calculators and interactive tools designed to help users estimate financial figures, perform calculations, and explore hypothetical scenarios. All tools are provided free of charge and without registration.
The tools and content on Luminth are for informational and educational purposes only. Nothing on this Site constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. Results generated by our calculators are estimates based solely on the values you input and standard mathematical formulas.
You should not rely on any calculator output to make financial, legal, or other decisions without first consulting a qualified and licensed professional. Always verify results independently before taking any action.
While we strive to ensure our calculators produce accurate results, we make no warranties or representations (express or implied) about the accuracy, completeness, reliability, suitability, or availability of any tool, calculation, or information on this Site.
Calculator results may not reflect all fees, taxes, insurance premiums, regulatory requirements, or other costs that apply to your specific situation. Real-world outcomes will vary.
To the fullest extent permitted by applicable law, Luminth and its owner(s) shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from:
This limitation of liability applies regardless of whether the claim is based on warranty, contract, tort (including negligence), or any other legal theory, even if we have been advised of the possibility of such damages.
All content on this Site, including text, graphics, logos, calculator designs, and code, is the property of Luminth and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without express written permission.
You agree not to:
The Site may contain links to third-party websites or display advertisements served by third-party networks. These links and advertisements are provided for convenience only. Luminth has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the terms and privacy policies of any third-party site you visit.
The Site and all tools are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the applicable courts.
We reserve the right to modify these Terms at any time. We will update the "Last updated" date at the top of this page when changes are made. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.
If you have any questions about these Terms, please contact us at: