Terms of Use
Effective Date: May 22, 2026
1. Acceptance of Terms
By accessing or using worth101.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Site.
2. Permitted Use
Worth101 grants you a limited, non-exclusive, non-transferable license to access and use the Site and its tools for personal, non-commercial purposes. You may not redistribute, scrape, or republish calculator data without written permission.
3. No Financial Advice
- Worth101 is an educational publisher, not a registered investment advisor, broker-dealer, tax professional, or licensed financial planner.
- All calculators, projections, articles, and content are provided for educational purposes only.
- Outputs are illustrative and rely on user-provided assumptions; they are not personalized recommendations.
- Consult a licensed fiduciary advisor before acting on any information presented here.
4. Accuracy and Data Sources
Calculations use the standard compound interest formula A = P(1 + r/n)^(nt) and cite public-domain references (SEC Investor.gov, IRS publications, Federal Reserve FRED, BLS CPI). Tax brackets, contribution limits, and inflation figures change over time; we make a reasonable effort to keep content current, but accuracy is not guaranteed.
5. Limitation of Liability
To the maximum extent permitted by law, Worth101 and its operator are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site, including investment losses, tax outcomes, or financial decisions based on calculator outputs.
6. Third-Party Links
The Site may link to third-party resources (e.g. government statistics, financial institutions). We do not control or endorse third-party content and are not responsible for its accuracy or availability.
7. Modifications
We may update these Terms at any time. Material changes will be reflected in the Effective Date above. Continued use of the Site after changes constitutes acceptance of the revised Terms.
8. Governing Law
These Terms are governed by the laws applicable to a Vietnam-based publisher serving an international audience. Disputes will be resolved in good faith through correspondence at the contact email below before any other action.
9. Contact
Questions about these Terms can be sent to: