Last updated: 07/20/2026 (MM/DD/YYYY)
By using getrealterms.com (the "Site"), you agree to these terms. If you don't agree, please don't use the Site. We've tried to write these in plain language rather than dense legal boilerplate, but this page is still a legal agreement between you and GetRealTerms ("we," "us," "our").
What the Site is
GetRealTerms provides free, browser-based calculators — currently Offer Ledger, Rent vs Buy, Freelance vs Full-time, Lease vs Buy a Car, Grad School vs Working, and Relocate: City A vs City B — that help people think through common financial decisions. New tools may be added or removed over time.
Not tax, legal, or financial advice
Every calculator on this Site produces estimates only, based on the numbers you enter and general assumptions we disclose on each tool's page. Nothing on this Site is tax, legal, accounting, or financial advice, and nothing here creates a professional relationship of any kind. Tax brackets, interest rates, and cost-of-living figures change, and your personal situation may differ from our assumptions in ways that materially change the right answer for you. Always confirm important decisions with a qualified professional — a tax preparer, financial advisor, attorney, or lender, as appropriate — before acting on them.
No warranty
The Site and its calculators are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to accuracy, completeness, reliability, or fitness for a particular purpose. We do our best to keep the underlying data (like tax brackets and official rates) current and to correct errors when we find them, but we don't guarantee that any calculation is free of mistakes.
Limitation of liability
To the fullest extent permitted by law, GetRealTerms and its operators won't be liable for any indirect, incidental, special, or consequential damages, or any loss of profits or data, arising from your use of or inability to use the Site — including decisions made based on a calculator's output. Your use of the Site is at your own risk.
Your inputs
The figures you enter into a calculator stay in your browser and aren't stored on our servers — see our Privacy Policy for details. Anything you type is yours; we don't claim ownership of it.
Intellectual property
The Site's design, text, calculators, and underlying code are owned by GetRealTerms or its licensors, except where noted. You're welcome to link to our tools or share a result card you've downloaded, but please don't copy, republish, or create a derivative site from our content without permission.
Acceptable use
Please don't use the Site to do anything unlawful, to attempt to disrupt or overload it, or to scrape or systematically extract its content or code without permission.
Third-party links and services
The Site may link to, or load resources from, third parties (such as fonts and charting libraries, or advertising providers). We aren't responsible for the content, accuracy, or practices of any third-party site or service.
Changes to these terms
We may update these terms from time to time. We'll update the "Last updated" date above when we do. Continuing to use the Site after a change means you accept the updated terms.
Governing law
These terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-law principles. You agree that the courts of New South Wales, Australia will have non-exclusive jurisdiction over any dispute arising from these terms or your use of the Site.
Contact
Questions about these terms? Reach out via our Contact page.