Terms of Use
Last updated April 2026.
Educational Tool, Not Financial Advice
Caldridge calculators produce educational estimates based on the formulas, rates, and fee schedules documented on each page. They do not constitute financial, legal, tax, or investment advice. The numbers are directional, not guaranteed. Always verify with a licensed lender, CPA, or financial advisor before making a borrowing or investment decision.
Not a Lender, Broker, or Lead Generator
Caldridge does not originate loans, broker loans, pre-qualify borrowers, or share user inputs with any third party. We are an independent publisher of educational content.
No Warranty
The site is provided "as is" without warranty of any kind. While we strive for accuracy, we do not warrant that calculations are error-free or that posted information is current. Lender rates, fee schedules, government program parameters, and tax rules change frequently. Always cross-reference with primary sources before relying on a result.
Limitation of Liability
To the maximum extent permitted by law, Caldridge and its operators are not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the site or reliance on its outputs.
Acceptable Use
Don't scrape the site to rebuild a clone. Don't reverse-engineer the calculation logic to circumvent licensing. Otherwise, use it freely.
Third-Party Content
The site links to third-party resources (CFPB, SBA.gov, IRS, etc.) for reference. We don't control those sites and aren't responsible for their content or privacy practices.
Changes
We may update these terms occasionally. The "last updated" date at the top reflects the most recent change. Continued use of the site after changes constitutes acceptance of the new terms.
Governing Law
These terms are governed by the laws of the United States and the state in which Caldridge is registered, without regard to conflict-of-law principles.