Disclaimer

The content on Coinscribed (https://coinscribed.com) — including articles, calculators and their results, market and price data, bank routing numbers, tables, charts, and any other material (together, the “Content”) — is provided for general informational and educational purposes only.

The Content is general in nature. It does not take account of your objectives, financial situation, tax position, or needs, and it is not tailored to you. You are solely responsible for evaluating whether any information is appropriate for your circumstances.

Nothing on this site constitutes financial advice, investment advice, securities advice, trading advice, tax advice, accounting advice, or legal advice. Coinscribed is not a registered investment adviser, broker-dealer, investment bank, bank, credit union, lender, mortgage broker, insurance producer, tax preparer, accountant, or law firm, and it is not licensed or registered with any financial or securities regulator in any jurisdiction.

No Content should be relied upon as the basis for any financial decision. Always obtain independent advice from a suitably licensed professional before making any decision about borrowing, saving, investing, insurance, retirement, or tax.

Your use of this site does not create any adviser–client, fiduciary, agency, broker, banker, accountant, or attorney–client relationship between you and Coinscribed or anyone associated with it. We owe you no duty of care in respect of any decision you make, and we do not monitor, supervise, or manage anyone’s finances.

Nothing on this site is an offer, solicitation, inducement, or recommendation to buy, sell, subscribe for, or deal in any security, digital asset, deposit product, loan, insurance product, or other financial instrument, nor to engage the services of any institution. No Content is directed at any person in any jurisdiction where such an offer or solicitation would be unlawful.

Our calculators apply standard formulas to the figures you enter. They are illustrative models, not quotations, pre-approvals, offers of credit, or projections of guaranteed outcomes. Results may differ — sometimes materially — from any figure an institution actually gives you.

Among other things, our calculators generally do not account for:

• Origination, application, valuation, legal, closing, servicing, or early-repayment fees.
• Taxes of any kind, including income, capital gains, stamp duty, or property tax, and any reliefs or allowances.
• Insurance premiums, mortgage insurance, escrow or impound amounts, service charges, or maintenance costs.
• Variable, tracker, introductory, or promotional rates, and any future change in rates.
• Inflation, changes in your income or employment, market volatility, or investment losses.
• Compounding, day-count, rounding, or payment-timing conventions specific to a particular lender or provider.
• Eligibility, affordability, underwriting, or regulatory limits and contribution caps.

Selecting a currency in a calculator changes only the unit of display. It does not convert amounts and applies no exchange rate. Enter your figures in the currency you have selected.

Routing numbers, institution details, and addresses are compiled from publicly available sources, including regulator records and institutions’ own published material, and are believed accurate as at the date stated on the relevant page. This information changes, and mergers, rebrands, and relocations occur frequently.

A registered or corporate address is not a payment address. Institutions publish separate instructions for incoming transfers, and the correct routing number depends on the transfer type and on where your account was opened. Always confirm the routing number and any address directly with your institution before initiating a transfer. We accept no responsibility for misdirected, delayed, rejected, or lost payments.

Market, index, commodity, rate, and cryptocurrency data is obtained from third-party sources. It may be delayed, interrupted, incomplete, or inaccurate, and is not a real-time or official quotation. Where a page shows illustrative or placeholder figures, that is stated on the page. Data must not be used for trading, valuation, settlement, accounting, or any other operational purpose.

Past performance is not a reliable indicator of future results. The value of investments and digital assets can fall as well as rise, and you may get back less than you invested.

Digital assets are speculative and highly volatile. They may be unregulated or inconsistently regulated in your jurisdiction, are generally not protected by deposit insurance or investor compensation schemes, and can lose all of their value. Holdings may be lost permanently through error, key loss, fraud, protocol failure, or platform insolvency. Coverage of any asset, protocol, platform, or project on this site is never an endorsement or an indication of quality, safety, or legality.

Coinscribed is not a bank, deposit-taker, lender, money transmitter, custodian, or payment provider. We do not hold or transmit client money or assets and we do not open, operate, or service accounts. Nothing on this site is insured by the FDIC, NCUA, SIPC, FSCS, or any equivalent scheme, and no reference to any institution implies that we are affiliated with it or that any product is insured.

Content may include forecasts, projections, targets, estimates, and other forward-looking statements. These are opinions or models based on assumptions that may prove incorrect, are subject to significant uncertainty, and are not guarantees. Actual outcomes may differ materially. We undertake no obligation to update any forward-looking statement.

We compile the Content in good faith but make no representation or warranty, express or implied, as to its accuracy, adequacy, currency, completeness, reliability, suitability, or availability. The Content may contain typographical, computational, factual, or transmission errors and may become out of date. We may change or remove any Content at any time without notice, and we are under no obligation to update it.

The site references third-party institutions, products, and services and links to external websites we do not control. We do not endorse, verify, or accept responsibility for any third-party content, product, service, privacy practice, or security practice, and following a link is at your own risk.

All institution names, brand names, and trademarks referenced on this site remain the property of their respective owners and are used only to identify those institutions factually. Their use does not imply any affiliation with, sponsorship by, endorsement by, or partnership with those owners.

The site and the Content are provided “as is” and “as available” without warranty of any kind. To the fullest extent permitted by law we disclaim all warranties, express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, and non-infringement, and any warranty that the site will be uninterrupted, timely, secure, or error-free.

To the fullest extent permitted by law, neither Coinscribed nor its owners, officers, employees, contributors, contractors, or suppliers shall be liable for any loss or damage of any kind arising out of or in connection with your use of, or reliance on, the site or the Content. This includes, without limitation, direct, indirect, incidental, special, consequential, exemplary, or punitive damages, and any lost profits, lost savings, lost data, investment losses, trading losses, missed opportunities, misdirected payments, or business interruption, whether based in contract, tort (including negligence), strict liability, statute, or otherwise, and whether or not we were advised of the possibility of such loss.

Nothing in this Disclaimer excludes or limits any liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you; in that case our liability is limited to the minimum extent permitted by law.

You use this site at your own risk and you are solely responsible for any decision you make and for verifying any information before acting on it. You agree to indemnify and hold harmless Coinscribed and its owners, officers, employees, and contributors from any claim, liability, loss, or expense (including reasonable legal fees) arising from your use of the site or your breach of these terms.

Coinscribed may earn revenue from advertising, sponsorships, and affiliate arrangements, and may receive compensation when you click a link or apply for a product. This may affect which products are written about and where they appear. It does not affect the formulas used by our calculators or the factual data we publish, and it is never payment for a favourable review. Sponsored or affiliate content is identified where it appears. We do not sell editorial coverage.

The Content is prepared principally with a United States readership in mind. Financial products, tax treatment, regulation, terminology, and consumer protections differ by country and by state, and information that is correct in one jurisdiction may be wrong or unlawful to rely on in another. It is your responsibility to determine whether the Content is appropriate and lawful for use where you are, and to comply with all laws that apply to you.

We may amend this Disclaimer at any time by posting an updated version on this page with a revised effective date. Your continued use of the site after a change takes effect constitutes acceptance of the amended Disclaimer.

This Disclaimer forms part of, and should be read together with, our Terms of Service and Privacy Policy.

Questions about this Disclaimer can be sent to varun@coinscribed.com. If you believe any Content is inaccurate, please tell us and we will review it.