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Terms of Service

These terms describe the conditions that apply when using GILKUT.net and its calculators.

Effective date: October 6, 2026

By accessing or using GILKUT.net, you agree to these Terms of Service. If you do not agree with these terms, please discontinue use of the website.

Purpose of GILKUT.net

GILKUT.net provides calculators, explanatory content and related tools for general informational, educational and planning purposes.

Calculator results are estimates based on the information entered, the assumptions displayed and the methodology implemented by the relevant tool.

No professional advice

Nothing on GILKUT.net constitutes financial, tax, legal, accounting, investment, insurance, lending or other professional advice.

Use of a calculator does not create a professional, fiduciary, advisory, lender-borrower or similar relationship between you and GILKUT.net.

Decisions involving significant financial or legal consequences should be verified using appropriate official information and, where necessary, a qualified professional.

No guarantee of accuracy

We work to make our calculators and information useful and accurate, but we do not guarantee that every calculation, formula, rate, threshold, assumption, source or explanation will always be complete, current or error-free.

Laws, tax rules, financial products, lender practices and other external information can change. Individual circumstances can also produce results different from general estimates.

Your responsibility for inputs

Calculator outputs depend on the values and assumptions supplied. You are responsible for checking that your inputs are appropriate for the calculation you are attempting.

Default values are provided for convenience and demonstration unless otherwise stated. They should not be interpreted as personalized recommendations.

No financial transaction or offer

Calculator results do not constitute a loan offer, mortgage approval, credit decision, insurance quotation, tax filing, investment recommendation or offer to buy or sell a financial product.

Rates and results shown by calculators are not guaranteed to be available from any bank, lender, insurer, employer, government agency or other organization.

Acceptable use

You may use GILKUT.net for lawful personal, educational and business informational purposes.

You may not intentionally interfere with the website, attempt unauthorized access to systems, use the website to distribute malicious software, abuse automated access in a manner that harms the service, or use the website for unlawful activity.

Intellectual property

Unless otherwise indicated, the GILKUT.net website design, original text, branding, calculator interfaces and other original website materials are owned by or licensed to GILKUT and are protected by applicable intellectual property laws.

Third-party names, trademarks, government materials and linked resources remain the property of their respective owners.

Third-party services and links

GILKUT.net may contain links to external websites and may use third-party services for hosting, analytics, advertising, security or other website functionality.

We do not control external websites and are not responsible for their availability, content, policies, products or services.

Advertising

GILKUT.net may display advertising or other monetized content. The presence of an advertisement does not necessarily constitute an endorsement by GILKUT.net of the advertiser, product or service.

Availability and changes

We may modify, update, suspend or discontinue calculators, content or website features at any time.

We may also revise these Terms of Service. Updated terms will be published on this page with an appropriate effective date.

Limitation of liability

To the maximum extent permitted by applicable law, GILKUT.net and its operators will not be liable for losses or damages arising solely from reliance on calculator estimates, website information, website availability or third-party content linked from the website.

Nothing in these terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

Privacy

Use of GILKUT.net is also subject to ourPrivacy Policy, which explains information handling, cookies, analytics and advertising-related technologies.