Terms of Service
Last updated: April 2026
Acceptance of Terms
By accessing or using ReckonWise (reckonwise.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the service.
Description of Service
ReckonWise provides free online calculators and planning tools for major life financial decisions, including senior care cost estimation, funding source analysis, and care needs assessment. Our tools use publicly available data sources to generate estimates and projections.
Important Disclaimers
- —Not financial advice. Cost estimates, funding gap calculations, and projections provided by ReckonWise are for informational and planning purposes only. They are based on publicly available data sources including national and regional survey averages. They do not constitute financial, tax, investment, or legal advice. Consult qualified financial professionals before making financial decisions about care.
- —Not medical advice. Care needs assessments and care type recommendations are educational tools to help you understand your options. They are not medical diagnoses or prescriptions. Consult your parent's doctor, a geriatric care manager, or other qualified healthcare professional for medical decisions.
- —Not legal advice. Information about Medicaid eligibility, VA benefits, estate planning, and related topics is educational. Eligibility rules, asset limits, and benefits vary by state and change over time. Consult an elder law attorney or benefits counselor for legal guidance specific to your situation.
- —Estimates are not guarantees. All cost figures are median estimates. Actual costs vary by location, provider, level of care needed, and services required. Real costs are often 30-50% higher than median base rates due to add-on services, higher acuity care levels, and regional variation.
Acceptable Use
You agree not to:
- —Use the service for any unlawful purpose
- —Attempt to gain unauthorized access to the service or its systems
- —Use automated scripts, bots, or scrapers to access the service without prior written permission
- —Interfere with or disrupt the service or servers
- —Reproduce, duplicate, or resell any part of the service without prior written permission
Intellectual Property
The ReckonWise service, including its design, code, content, and branding, is owned by ReckonWise. You may not copy, modify, or distribute any part of the service without prior written permission.
Calculator results, PDF summaries, and shareable links generated by your use of the tools are yours to use, share, and distribute freely.
Disclaimer of Warranties
The service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that cost estimates will be accurate for your specific situation, that the service will be uninterrupted or error-free, or that results will meet your expectations. Data sources are updated periodically but may not reflect the most recent changes in care costs, benefit rates, or eligibility rules.
Limitation of Liability
To the fullest extent permitted by law, ReckonWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
- —Your use of or inability to use the service
- —Any reliance on cost estimates, care recommendations, or funding analysis provided by the service
- —Any errors or inaccuracies in the data used to generate results
- —Any unauthorized access to or alteration of your data
Our total liability for all claims related to the service shall not exceed $100.
Indemnification
You agree to indemnify and hold harmless ReckonWise and its operators from any claims, damages, losses, or expenses arising from your use of the service or violation of these terms.
Termination
We may suspend or terminate your access to the service at any time for any reason, including violation of these terms. You may stop using the service at any time. To request deletion of any personal data we hold, contact us at the email below.
Governing Law
These terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions.
Changes to These Terms
We may update these terms from time to time. Material changes will be noted with an updated “Last updated” date at the top of this page. Continued use of the service after changes constitutes acceptance of the revised terms.
Questions about these terms? Contact us at hello@reckonwise.com