Terms of Use
These Terms of Use ("Terms") govern your access to and use of https://spenddowncalculator.com(the "Site") operated by Spend Down Calculator ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms and our Privacy Policy and Disclaimer.
1. Acceptance of terms
If you do not agree to these Terms, do not use the Site. We may update these Terms at any time. Continued use after changes constitutes acceptance of the revised Terms.
2. Description of service
The Site provides free Medicaid spend-down calculators, educational guides, and blog articles about long-term care eligibility planning. The Site is for informational purposes only. See our Disclaimer for important limitations.
3. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site. By using the Site, you represent that you meet this requirement.
4. No professional advice
Content on the Site is not legal, tax, financial, or medical advice. We are not a law firm, accounting firm, or financial advisory service. Consult licensed professionals before making decisions about asset transfers, Medicaid applications, or long-term care planning.
5. Calculator use
Calculators provide estimates based on your inputs and published limits. Results are not eligibility determinations. You are responsible for verifying figures with your state Medicaid agency. We do not store calculator inputs on our servers unless you voluntarily send them to us.
6. Acceptable use
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to our systems or data
- Scrape, crawl, or harvest content at a rate that burdens our infrastructure
- Reverse engineer calculator logic for commercial redistribution without permission
- Impersonate any person or misrepresent your affiliation
- Upload malware or interfere with Site operation
7. Intellectual property
The Site, including text, graphics, logos, calculators, and layout, is owned by Spend Down Calculator or its licensors and protected by copyright and other intellectual property laws. You may view and print content for personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works without written permission, except as allowed by fair use or applicable law.
8. User submissions
If you email us feedback, corrections, or questions, you grant us a non-exclusive, royalty-free license to use that feedback to improve the Site. Do not submit confidential information you do not want us to use for that purpose.
9. Third-party links and ads
The Site may contain links to third-party websites and advertisements served by partners including Google AdSense. We are not responsible for third-party content, products, or practices. Your dealings with third parties are solely between you and them.
10. Disclaimer of warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Spend Down Calculator AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM, WHICHEVER IS GREATER.
12. Indemnification
You agree to indemnify and hold harmless Spend Down Calculator and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.
13. Governing law and disputes
These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Site shall be brought in the state or federal courts located in California, and you consent to personal jurisdiction in those courts.
14. Severability
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
15. Contact
Questions about these Terms? Email [email protected] or visit our contact page.